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.

Long-Term Capital Gains

ARCIPEDIA · TAX STRATEGY

Plain English

Long-term capital gains are gains on assets held more than one year before being sold. In the US, they are taxed at preferential rates — 0%, 15%, or 20% depending on your taxable income, plus a 3.8% net investment income tax for high earners.

How it actually works

The one-year holding period is calculated to the day. If you bought Bitcoin on January 15, 2025, you must hold past January 15, 2026 for long-term treatment. Compare this to short-term rates (ordinary income, up to 37%). For a high earner in a 37% bracket, holding an extra month can convert a 37% tax bill into a 20% bill — a 46% reduction.

What it means for you

For HNW members, the long-term/short-term distinction is one of the highest-leverage tax decisions. The math is the same for crypto as for stocks. Patience in selling produces meaningful after-tax improvement.

How ARCrypto teaches this

We teach holding-period discipline, the coordination with cost-basis tracking, and the strategies (gifting, charitable contributions) that further reduce taxes on long-held appreciated assets.

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