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OPM Capital

Crypto-Collateralized Loan

Borrow against BTC/ETH holdings — no tax event, no sale.

Overview

Regulated lenders (Ledn, Nexo, Coinbase Prime, Arch Lending) accept BTC/ETH as collateral at 30–50% LTV for USD loans at 8–13% APR. Because it's a loan — not a sale — no capital-gains tax is triggered. Use proceeds to buy real estate, fund a business, or pay taxes without liquidating a low-basis crypto stack. Watch margin-call thresholds and use over-collateralization.

Best fit
Long-term BTC/ETH holders with large gainsFounders paid in tokensBridge financing without tax cost
Estimated impact
Avoid 20–37% cap-gains tax on liquidation

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