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.

Tax-Loss Harvesting

ARCIPEDIA · TAX STRATEGY

Plain English

Tax-loss harvesting is selling assets at a loss to realize that loss for tax purposes, then offsetting it against realized gains elsewhere. The strategy reduces your current-year tax bill while you can repurchase exposure to the same or similar asset.

How it actually works

For stocks, the IRS “wash sale rule” prevents you from selling at a loss and buying back the same or substantially identical security within 30 days. For crypto, as of 2026, the wash sale rule does not formally apply — you can sell Bitcoin at a loss, harvest the loss, and rebuy Bitcoin immediately. This is a structural advantage of crypto for tax planning. Realized losses can offset gains and up to $3,000 of ordinary income per year, with excess carrying forward indefinitely.

What it means for you

For HNW members with appreciated and depreciated crypto positions, tax-loss harvesting is a real annual exercise. Done correctly across a portfolio, it can defer tens of thousands in tax. The wash sale rule’s pending application to crypto is a regulatory risk to watch.

How ARCrypto teaches this

Our curriculum covers tax-loss harvesting mechanics, the documentation required, and the coordination with cost-basis tracking to maximize realized losses without disrupting portfolio strategy.

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