ARCrypto is a decentralized finance education for beginners and pros 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 plain English framework.

What is Borrow-and-lend?

Borrow-and-lend 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.

Yield - ARCrypto

ARCIPEDIA · on-chain yield

Plain English

Yield is the income an asset produces over a period, expressed as a percentage of its current value. A bond paying $50 a year against a $1,000 price has a 5% yield. A stablecoin lending position paying 6% per year has a 6% yield.

How it actually works

Yield is calculated differently across asset classes. Bonds: coupon divided by price. Stocks: annual dividend divided by share price. Real estate: net rental income divided by property value. Crypto staking: protocol rewards divided by staked balance. The denominator matters: yield on cost basis is different from yield on current market value.

What it means for you

For members building on-chain yield, yield is the unit of comparison across very different asset classes. Stablecoin lending yield, dividend yield, bond yield, and rental yield are all directly comparable as percentages — though their risks are not.

How ARCrypto teaches this

We teach the structural framework: risk-adjusted yield, not just headline yield, is what matters for portfolio construction. A 10% yield on a fragile collateral is worse than a 5% yield on tokenized Treasuries.

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