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.

How to Use ETH as Collateral on Aave, Morpho, and Compound

Borrowing against ETH on-chain means depositing into a lending market like Aave, Morpho, or Compound, then drawing USD-denominated stablecoin credit against the deposit. Rates float with utilization. Liquidation is automated. Custody is yours.

Aave

The largest and most battle-tested lending protocol. Multi-chain (Ethereum, Arbitrum, Base, Polygon). Variable and stable rates. Health factor must stay above 1; below it, liquidation fires automatically. ETH typical LTV: 80–82%.

Morpho

A newer protocol that builds on top of Aave/Compound for better rates. Peer-to-peer matching when possible, falls back to the underlying pool when not. Lower spread, marginally better borrowing rates. Same liquidation mechanics.

Compound

The original DeFi lender. Cleaner UI, fewer assets, well-tested. Rates are typically slightly higher than Aave or Morpho, but the protocol has the longest production track record.

What to actually watch

Health factor: the number that separates “I have a loan” from “I just got liquidated.”
Oracle pricing: Chainlink, redundant feeds, no single point of failure.
Stablecoin choice: borrow USDC for the cleanest counterparty risk profile.

This is the framework ARCrypto Apex members work through with the senior strategist. Book a call for the structured walkthrough.