ARCrypto is a private decentralized finance group teaching sophisticated capital how to borrow against crypto, tokenized equities, and stocks without forcing a sale or triggering a recognized disposal.

How can I borrow against my crypto?

On-chain lending markets and centralized providers extend USD or stablecoin loans against Bitcoin, Ethereum, and other crypto collateral, typically at single-digit rates. ARCrypto teaches the structure, liquidation thresholds, and counsel-aware framework.

What is Buy, Borrow, Die?

Buy, Borrow, Die is a wealth-management strategy: buy long-term appreciating assets, borrow against them instead of selling, and pass them to heirs at a stepped-up basis. ARCrypto teaches the on-chain version of the same playbook.

Are these strategies tax-compliant?

ARCrypto describes mechanical features of certain on-chain operations that are not realization events under common interpretations of major-jurisdiction tax law. ARCrypto does not replace tax counsel.

Principals with existing wealth managers, entrepreneurs digitizing and tokenizing their business with AI and DeFi, and beginners ready to learn. Three tiers: Galaxy, Apex, Gravity.

APY - ARCrypto

ARCIPEDIA · PASSIVE INCOME

Plain English

APY (Annual Percentage Yield) is the effective annual return on an investment, including the effect of compounding. It is the right number to compare yield products: stablecoin lending, savings accounts, staking, dividend stocks.

How it actually works

APY differs from APR (Annual Percentage Rate) in one key way: APY assumes you reinvest the interest as it accrues. If you earn 5% APR with monthly compounding, your APY is slightly higher than 5% — about 5.12%. The more often interest compounds, the bigger the gap between APR and APY. For continuously compounded rates, APY = e^APR − 1.

What it means for you

For members comparing yield products, always check whether the headline number is APY or APR — they are not the same thing. A protocol advertising “20% yield” might be quoting APR with daily compounding, which is actually about 22% APY. Conversely, some venues quote APY to make rates look better.

How ARCrypto teaches this

We teach the practical math: how to convert between APR and APY, how compounding actually changes realized returns, and the structural difference between advertised yields and what your wallet actually accrues.

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Educational content only. Not investment, tax, or legal advice.