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.

Tokenized Treasuries Cross a Threshold: Why BlackRock, Ondo, and Maple Now Compete for the Same Capital

What members should know

Tokenized US Treasuries have crossed the threshold from experimental to institutional. BlackRock, Franklin Templeton, Ondo, Mountain Protocol, and Maple all now compete for the same capital.
The use case is not yield maximization — yields are similar to direct T-bills. The use case is composability: treasuries that can serve as collateral on-chain.
For beginners and pros and members, tokenized treasuries are emerging as the cleanest entry point into on-chain assets.

Two years ago, “tokenized treasuries” meant Ondo and a few smaller experiments. Today it means BlackRock’s BUIDL, Franklin Templeton’s BENJI, Ondo’s USDY and OUSG, Mountain Protocol’s USDM, and Maple’s Cash USDC — all competing for the same capital with broadly similar products. The category has crossed a threshold.

What tokenized treasuries actually are

Each product is a token that represents a claim on a pool of short-term US Treasury bills held by a regulated custodian. The token accrues yield, currently around 4.5-5%, mirroring the underlying T-bill rate. Token holders can redeem for cash on a defined schedule (often daily) and can also transfer the token on-chain like any other asset.

Why the category matters

The yield is not the differentiator — anyone can buy T-bills directly through a brokerage. What’s new is composability:

Tokenized treasuries can serve as collateral in DeFi protocols.
They settle 24/7, globally.
They can be moved between wallets and chains without going through a bank.

For a members holding meaningful cash, this combination — government-backed yield, on-chain liquidity, instant settlement — is a structural advantage over holding the same dollars in a money market fund.

How members are using them

Three patterns we see most often in the room:

Idle cash management. Replace some portion of the money-market position with a tokenized treasury that yields the same but stays on-chain.
Collateral for DeFi positions. Use tokenized treasuries as collateral instead of Bitcoin or stablecoins. Stable principal, productive yield, lower volatility.
Cross-border settlement. Move dollar-denominated value internationally on-chain rails without leaving the dollar asset class.

Educational commentary only. Not investment, tax, or legal advice. Tokenized treasuries are subject to issuer credit risk, smart contract risk, and regulatory developments.