The Portfolio Line

Borrow against your portfolio instead of selling it.

How it works#

Pledge tokenized stocks you hold and draw USDG against them. The shares stay yours: you keep the price exposure, the dividends, and the position. You have not sold anything, so you have not realized a gain.

The line funds your card automatically. When you spend more than your dollar balance, the difference draws from the line rather than declining the transaction, assuming you have chosen to enable it.

Limits#

These are conservative on purpose. A 25% LTV means a $10,000 portfolio supports $2,500 of borrowing, and the portfolio would need to fall by roughly 60% before the position came under pressure.

Liquidation risk#

If your collateral falls far enough in value, part of your portfolio will be sold to repay the loan. This can happen without your involvement, and it can happen at a bad price.

This is the real cost of borrowing against assets, and it is why the LTVs above are lower than the market would allow. The app will show your current LTV at all times, alert you well before any threshold, and let you repay or add collateral at any point. We will never market this as free money, because it is not.

Interest accrues daily at a published rate and is charged on the drawn balance only. Borrowing may have tax consequences that vary by jurisdiction. We are not your tax advisor.