Compare on-chain stablecoin yields to T-bills, park capital where risk-adjusted return wins.
Aave, Compound, Morpho, Maker DSR, Ondo (OUSG), Mountain Protocol (USDM) yield 4–8% on stablecoins. Compare to 4-week T-bill (~5% fed rate) — decide risk/return based on smart-contract risk, protocol solvency, custody. For tax: on-chain yields = ordinary income (uncertain sourcing); T-bill interest = federally taxable, state-exempt. Some UHNW rotate between the two based on rate spreads.
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Sell crypto at a loss and rebuy the same asset immediately — wash sale doesn't apply.
Hold BTC/ETH inside a Roth IRA — tax-free growth on generational gains.
Borrow against BTC/ETH at 5–10% — no capital gains, keep the upside.
Move to PR, become bona fide resident, pay 0% federal tax on post-move crypto appreciation.
Defer crypto capital gains by rolling into a QOZ fund within 180 days.
Give appreciated BTC to a DAF — no cap gains, full FMV deduction.
Appraised NFT donation = FMV deduction, no cap gains recognition.
Deduct 100% of ASIC/GPU rig cost year one; mining income offset by depreciation.