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.

Tokenized Treasury

ARCIPEDIA · TOKENIZATION

Plain English

A tokenized Treasury is a blockchain token representing a claim on short-term US Treasury bills held by a regulated custodian. The token accrues yield mirroring the underlying T-bill rate — currently around 4.5–5% — and can be transferred or used as collateral on-chain.

How it actually works

Issuers like BlackRock (BUIDL), Franklin Templeton (BENJI), Ondo (USDY/OUSG), Mountain Protocol (USDM), and Maple Finance hold a portfolio of short-term T-bills with a regulated custodian. Each token represents a share of that portfolio. Yield accrues either to the token balance or to the price. Redemption is typically daily or weekly back to USDC or dollars.

What it means for you

For HNW members with idle cash, tokenized Treasuries are the cleanest way to earn government-backed yield while keeping the asset on-chain and usable as collateral. The structural innovation is composability — yield-bearing dollars that integrate with DeFi.

How ARCrypto teaches this

Our DeFi-for-family-offices module covers tokenized Treasury selection (issuer, redemption mechanics, jurisdiction), tax treatment of the yield, and how to deploy them as collateral in lending strategies.

Apply for the course →

← Back to ARCipedia

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