Imagine life without inflation.
You don't have to sell your Gold or Bitcoin holdings to pay for life's expenses. Stack'd lets you borrow cash against your hard assets—without giving them up.
Stack'd is a secure financial tool that allows you to borrow cash (USDT) against your Gold or Bitcoin collateral without selling the underlying asset. Access the liquidity you need for real-world expenses while your assets continue protecting your purchasing power.
When you need cash for expenses—like a car, a home renovation, or just daily living—you usually have to sell your assets.
- Selling means taxes: You trigger a taxable event (Capital Gains).
- Selling means missing out: You lose the potential future upside of that asset.
- Selling means inflation wins: You exchange hard assets for depreciating fiat currency.
Instead of selling, you lock your assets in a secure, audited smart contract on the Arbitrum network and borrow stablecoins (USDT) against them.
- No Capital Gains Tax: Borrowing is not a taxable event in many jurisdictions (check with your tax advisor).
- Keep the Upside: You still own your Gold and Bitcoin. If the price goes up, your portfolio grows.
- Flexible Repayment: No monthly payments. Pay back the loan whenever you want to unlock your collateral.
Security is our #1 priority. Stack'd is built on top of the battle-tested Compound V3 protocol, one of the oldest and most secure DeFi protocols in existence.
- Read our Safety Model to understand why your funds are safe.
- Learn about Risk Management to understand how to keep your loan healthy.
See How It Works or jump straight to Depositing Assets.