Challenge
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Institutional-Grade Crypto-Backed Lending
Spirit Global Investment Advisors delivers sophisticated digital asset financing solutions for family offices and high-net-worth investors seeking to unlock liquidity without liquidating strategic cryptocurrency positions.
Executive Summary
The Challenge
Family offices hold $20M-$500M in crypto but cannot access liquidity without selling and triggering significant tax consequences of 20-37% capital gains—effectively trapping strategic digital assets.
Our Solution
A crypto-backed lending platform enabling $10M-$250M+ loans at 8-14% APR while maintaining 100% crypto exposure, delivered through institutional partners with 80+ years of Wall Street credibility.
Client Benefits
Access full capital needs, maintain complete crypto upside potential, avoid all tax consequences, secure competitive rates, and benefit from institutional-grade security with federal oversight.
The Liquidity Paradox
Family offices and institutional investors face a critical challenge: substantial cryptocurrency holdings—often representing $20 million to $500 million per family office—remain effectively trapped when capital needs arise for new investments, business expansion, or operational liquidity.
These strategic digital assets, held as long-term treasury positions and portfolio diversification, cannot be efficiently leveraged without triggering severe financial consequences that contradict the investor's original conviction and strategy.
The Cost of Traditional Solutions
The result: investors face impossible choices—forgo opportunities requiring capital or liquidate strategic holdings at enormous cost. Neither option serves their long-term wealth preservation objectives or fiduciary responsibilities.
Immediate Tax Liability
Capital gains taxes of 20-37% on appreciated positions create massive wealth erosion, potentially costing millions in liquidations that could have been avoided with proper structuring.
Permanent Position Reduction
Selling crypto means permanently losing future upside potential in an appreciating asset class with mathematically limited supply and growing institutional adoption.
Market Timing Risk
Forced liquidations during unfavorable market conditions result in significant losses and poor execution pricing that compounds the financial damage of selling.
Strategic Misalignment
Contradicts long-term conviction in Bitcoin as digital gold and essential portfolio hedge against inflation and currency debasement over multi-generational timelines.
Access Capital Without Selling
Borrow $10M to $250M+
Access substantial capital against Bitcoin and cryptocurrency collateral without liquidating positions or triggering taxable events that would erode wealth.
Maintain 100% Upside Exposure
Keep full exposure to crypto appreciation while deploying borrowed capital for real estate, private investments, or business expansion opportunities.
Flexible Use of Proceeds
Deploy capital for any legitimate business or investment purpose with no restrictions on fund usage or reporting requirements beyond standard lending covenants.
No Tax Consequences
Assets remain invested and continue appreciating with zero capital gains recognition or reporting requirements until you choose to liquidate positions.
Three Integrated Components
Institutional Lending: Cantor Fitzgerald
$2+ billion Bitcoin financing program with 80+ years of Wall Street credibility. Competitive rates of 8-14% APR with proven track record funding institutional borrowers including FalconX ($100M+), Maple Finance, and Wintermute.
Federally Regulated Custody: Anchorage Digital
The only federally chartered crypto bank in the United States with OCC supervision. Institutional-grade security through multi-party computation, air-gapped hardware, 24/7 monitoring with comprehensive insurance coverage.
Fiduciary Management: Spirit Global Investment Advisors
SEC-Registered RIA with fiduciary duty to clients. Daily collateral monitoring, professional term negotiation, integrated portfolio reporting, and strategic advisory for facility optimization and risk management.
Track Record
  • Launched Bitcoin financing business in July 2024
  • Successfully executed $100M+ facilities with institutional borrowers
  • $2+ billion initial program capacity with plans for substantial expansion
  • Direct relationships with largest institutional crypto investors globally
Program Highlights
  • Loan sizes: $10M to $250M+ per client relationship
  • Loan-to-value ratios: 60%
  • Interest rate range : 8-14%
  • Terms: 60 day evergreen with flexibility
  • No origination or other fees associated
Cantor Fitzgerald's 80+ years of Wall Street credibility eliminates counterparty risk concerns while providing regulatory expertise to navigate complex compliance landscapes and deep capital resources to support large facility sizes for sophisticated investors.
Anchorage Digital: Gold Standard Custody
Federal Charter
Only federally chartered digital asset bank with National Trust charter from OCC, subject to federal banking examination, supervision, and the highest regulatory standards in the industry.
Security Infrastructure
Multi-party computation (MPC) with no single point of control; air-gapped hardware security modules; distributed key management across geographically secure facilities with military-grade protection.
Operational Excellence
Real-time portfolio reporting with institutional-grade interfaces, seamless lending integration, professional tax reporting and documentation, API connectivity for treasury management, and regulatory automation.
SpiritGlobal.Credit : Your Fiduciary Partner
Client Advocacy
Negotiate optimal terms with Cantor Fitzgerald on your behalf, provide independent review of all facility documentation, ensure professional dispute resolution, and maintain complete alignment with your interests.
Risk Management
Daily collateral valuation and margin monitoring with sophisticated analytics, proactive communication about market conditions and facility health, conservative structuring recommendations that prioritize capital preservation.
Integrated Wealth Management
Crypto positions integrated with overall portfolio strategy and asset allocation, comprehensive tax planning and optimization, estate planning considerations for multi-generational wealth, and family office coordination.
Operational Efficiency
Single point of contact for all lending and custody matters, consolidated reporting across all assets and facilities, professional white-glove client service, complete regulatory compliance and documentation management.
Learning from Industry Failures
The crypto lending market suffered catastrophic failures in 2022 with the collapse of Celsius Network, BlockFi, and Genesis Global Capital—losing billions in client assets through unsecured lending to risky counterparties, commingling of client funds, lack of qualified custody, opaque risk management, and regulatory non-compliance.
The SpiritGlobal.Credit platform is fundamentally different. We learned from these failures and built a solution combining Wall Street institutional infrastructure, federal banking custody, and professional fiduciary oversight—eliminating the systemic risks that destroyed earlier crypto lenders.
Four Key Differentiators
Wall Street Credibility
Cantor Fitzgerald brings 80+ years of financial markets expertise, regulatory compliance infrastructure, and deep capital resources with $2B+ program capacity for institutional borrowers.
Federal Banking Custody
Anchorage Digital's OCC charter provides bank-level security, segregated client accounts with no commingling, professional insurance, and federal regulatory supervision at the highest standards.
Fiduciary Oversight
Spirit Global's RIA status ensures legal duty to act in client's best interest with independent review, zero conflicts of interest, and complete alignment with client objectives.
Complete Transparency
All costs passed through at actual rates with zero markups, spreads, or hidden fees—unprecedented clarity in crypto lending that builds trust and long-term client relationships.
Lending vs. Liquidation: The Math
Client Scenario: Need $50M for investment opportunity; hold $100M Bitcoin with $80M cost basis
Option 1
Sell Bitcoin (Traditional Approach)
Gross proceeds: $50M
Capital gains tax (23.8% federal + state): ~$6M immediate loss
Net proceeds: $44M
Lost future upside on sold position: Unknown but potentially substantial
Total opportunity cost: $6M+ immediately plus all future appreciation on liquidated position—could exceed tens of millions over time
Option 2
Spirit Global Crypto Lending
Loan proceeds: $50M (full amount)
Year 1 all-in cost: $6.25M (12.5%)
Maintained Bitcoin exposure: $100M continues appreciating
Tax alpha from harvesting: Potential +1-2% annually ($1-2M)
Effective cost after tax optimization: ~10-11% annually with full upside exposure maintained and strategic flexibility preserved
Winner: Crypto lending provides full $50M proceeds with no tax hit and maintained upside exposure. Even with 10-11% effective cost, clients are substantially ahead versus liquidation, especially if Bitcoin appreciates over the loan term.
Complete Cost Transparency
Spirit Global Management Fee
1.0% annually on crypto assets under management at Anchorage Digital, paid monthly in arrears with no hidden charges or surprise fees
What's Included:
  • Complete custody coordination and oversight
  • Daily collateral monitoring and margin management
  • Lending facility negotiation and management
  • Integrated portfolio reporting across all assets
  • Professional tax reporting and documentation
  • Strategic advisory and optimization
  • Access to Spirit Global advisory team
  • Regulatory compliance and fiduciary oversight
Cantor Fitzgerald Lending Costs
Passed through at actual cost with zero markup
Interest Rates:
  • Bitcoin collateral: 8-14% APR
  • Other crypto assets: case-by-case pricing
Origination Fees:
  • None
Anchorage Digital Custody
Included in Spirit Global management fee—no separate billing to client for custody, security, or operational services
Professional. Institutional. Fiduciary.
Spirit Global Investment Advisors: Bringing Wall Street institutional lending to cryptocurrency wealth management with complete transparency, federal custody, and professional RIA oversight for discerning family offices.
Take the Next Step
1
Schedule a Confidential Consultation
Discuss your current crypto holdings, liquidity objectives, and investment timeline with our experienced advisory team in a private, no-obligation conversation.
2
Receive Customized Analysis
Get detailed facility sizing recommendations, terms estimation based on current market conditions, comprehensive risk assessment, and complete all-in cost analysis tailored to your situation.
3
Review Implementation Timeline
Understand the complete process from initial consultation to funding and activation, with clear milestones, documentation requirements, and expected timeframes for each step.
Contact Us:
Spirit Global Investment Advisors
Email Us Today: Info@SpiritGIA.com