Crypto & Digital Assets strategies

10 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.

• Crypto & Digital Assets

  Crypto Tax-Loss Harvesting (No Wash Sale Rule)

  Sell crypto at a loss and rebuy the same asset immediately — wash sale doesn't apply.

  Convert paper losses into $3K–$50K+ of realized tax offset
• Crypto & Digital Assets

  Self-Directed IRA / Solo 401(k) for Crypto

  Hold BTC/ETH inside a Roth IRA — tax-free growth on generational gains.

  Convert 20–37% cap-gains rate to 0% (Roth)
• Crypto & Digital Assets

  Crypto-Collateralized Loans (No Sale, No Tax)

  Borrow against BTC/ETH at 5–10% — no capital gains, keep the upside.

  Avoid 20–37% cap-gains hit on liquidation
• Crypto & Digital Assets

  Puerto Rico Act 60 for Crypto Gains (0% Cap Gains)

  Move to PR, become bona fide resident, pay 0% federal tax on post-move crypto appreciation.

  Save 20–37% federal + state tax on post-move gains
• Crypto & Digital Assets

  Roll Crypto Gains into Opportunity Zone Fund

  Defer crypto capital gains by rolling into a QOZ fund within 180 days.

  Defer 20% on crypto gain + 0% tax on QOZ appreciation
• Crypto & Digital Assets

  Donate Appreciated Crypto to Charity / DAF

  Give appreciated BTC to a DAF — no cap gains, full FMV deduction.

  50–60% total tax benefit on donated amount
• Crypto & Digital Assets

  Donate NFTs to Charity for FMV Deduction

  Appraised NFT donation = FMV deduction, no cap gains recognition.

  20–37% deduction × FMV, plus dodged cap gains
• Crypto & Digital Assets

  Crypto Miner §179 + Bonus Depreciation

  Deduct 100% of ASIC/GPU rig cost year one; mining income offset by depreciation.

  $50K–$500K year-one deduction on rig investment
• Crypto & Digital Assets

  Stablecoin Yield vs Short-Term T-Bill Arbitrage

  Compare on-chain stablecoin yields to T-bills, park capital where risk-adjusted return wins.

  50–200 bps spread capture on treasury cash
• Crypto & Digital Assets

  Crypto → Charitable Remainder Trust (CRUT/CRAT)

  Contribute crypto to a CRT — no cap gains, deduct PV of remainder, lifetime income stream.

  Full deferral of 20–37% cap gains + $200K+ charitable deduction on $1M gift