Turn your cashflow into
Bitcoin & Ethereum you can
grow & protect
You choose the rules for building and borrowing against a BTC & ETH treasury. Stackit.ai monitors the position and automates approved protection, repayment, and profit-taking actions as markets move.
An agent treasury, native to MCP, REST, and x402.
Policy-Controlled
You choose when to protect, repay, and take profits
Monitored
LTV, health factor, deposits, debt, and approved triggers
Permission-Scoped
Revocable delegated execution or transactions prepared for signature
Native agent integrations
MCP Server
Native tool for Claude, GPT & any MCP agent
REST API
Deposit, borrow, and monitor programmatically
x402 Auth
Pay per request — no API key signup, no human loop
Wallet-Sovereign
Unsigned txs returned — you sign, you control
What is an agent treasury?
An agent treasury is a crypto treasury an AI agent can operate autonomously within human-defined rules: accumulating BTC and ETH, borrowing against collateral, and staying protected from liquidation through MCP, REST, and x402 interfaces built for machines.
Already building? Read the agent treasury guide or Try the sandbox — no signup required →
Built For
Who This Is For
AI Agent Teams & Developers
Your agents need a treasury they can operate programmatically. Stackit.ai exposes MCP, REST, and x402 interfaces — authenticate without a human in the loop, deposit, borrow, and convert with one API call, and get typed errors when a safety rail blocks an action.
Founders & Long-Term Holders
Every long-term holder eventually needs cash. A tax bill, a business opportunity, a down payment. Stackit.ai lets you borrow against your BTC & ETH the right way — structured, over-collateralized, and protected.
Actively Managed Liquidation Risk
If you’ve been liquidated or had a close call, you know manual monitoring is not enough. Choose a Protection Point, repayment rules, and profit-taking rules; Stackit.ai monitors them and acts within approved permissions while clearly showing the risk that remains.
Honesty First
Who This Is not For
- Not for short-term traders or high-leverage gamblers.
- Not for people chasing guaranteed returns or timing the market.
- Not for anyone who wants to squeeze out every dollar of borrowing power — that’s how you get liquidated.
- Not for people who treat borrowing as a panic move instead of a strategy.
If you want structured, protected leverage that keeps you in the market through full cycles — like a mortgage, not a payday loan — you're in the right place.
The Strategy
Protected Leveraged DCA — How It Works
You choose the profit, repayment, and Protection Point rules. Stackit.ai monitors them continuously and prepares or executes approved actions as conditions change.
Deposit USDC
Choose the amount, schedule, and approved policy
DCA → BTC/ETH
Converts daily over 15/30/60 days using protected leverage
Price Rises ↗
Auto-borrows more USDC → buys more BTC/ETH → compounds 24/7
Price Falls ↘
Uses approved repayment rules → improves health factor
Recovery ↑
Re-borrows at lower prices → accumulates more → loop restarts
Deposit USDC
Choose the amount, schedule, and approved policy
DCA → BTC/ETH
Converts daily over 15/30/60 days using protected leverage
Price Rises ↗
Auto-borrows more USDC → buys more BTC/ETH → compounds 24/7
Price Falls ↘
Uses approved repayment rules → improves health factor
Recovery ↑
Re-borrows at lower prices → accumulates more → loop restarts
Most investors get wiped because they borrow too close to the edge with no plan for a drawdown. Here's what Stackit.ai does instead:
What Happens After a Big Drop
In a drop, Stackit.ai's rules prioritize defense: an approved policy can repay part of your borrow before the position reaches the underlying protocol's liquidation boundary.
Once things stabilize and your Health Score is back in the safe zone, Stackit.ai can gradually let you borrow again, inside your target range.
That way, you're not stuck “all the way off” after every crash or “all the way on” near the edge. You spend more of the cycle in a healthy middle: protected in bad times, participating in better times.
None of this guarantees profits, timing, successful execution, or protection from liquidation. The rules are designed to act earlier and make each permitted response explicit.
The Principle
A treasury isn't an account you fund.
It's a position you build.
The wealthy don't sell their assets to pay their bills. They borrow against what they hold, let it keep appreciating, and let compounding do the work. Stackit.ai brings that model to every founder — and every agent.
Don’t run your business on a budget. Build a treasury that funds it.
Don’t give your agent a budget. Give it a treasury that pays for itself.
A treasury works for you whether you're sleeping — or whether your agent is running. Same infrastructure. Same compounding. Same protection.
Illustrative scenario
How a $30K deposit could compound — in a rising market
An illustrative walkthrough of the protected-leverage strategy, not a guaranteed or typical result. The path below assumes prices rise; the market can also fall — see the down-case below.
They started with a $30,000 deposit.
Stackit.ai instantly leveraged that into over $100,000 of Bitcoin and Ethereum.
As BTC and ETH rose, the leveraged position amplified those gains while Stackit.ai automatically paid down the loan — growing their net worth to over $70,000.
Then they borrowed $25,000 to invest in a restaurant — pulling out nearly their full original deposit.
Now they’re building wealth across equity in a restaurant, a larger Bitcoin & Ethereum portfolio, and a net worth that keeps compounding.
And when the market falls
- Leverage amplifies losses as well as gains — a sharp drop can leave you with less BTC and ETH than you started with.
- Protection repays debt as prices fall, so the worst case is less borrowing power and a smaller position, not a wiped-out account — but liquidation is still possible in fast gaps, oracle failures, or thin liquidity.
- The upside path above only happens if the market rises. Model the down-case before you leverage.
The Stack Effect
Multiply your buying power
Protect your portfolio when prices fall
Lock in gains when prices rise
Grow wealth across multiple assets from a single deposit
LTV Safety Bands
These are the ranges Stackit.ai uses to keep you out of the “oh shit” zone.
Protection
Why Most Crypto Borrowing fails
Most crypto borrowing looks like payday debt — it works until it doesn't. Stackit.ai structures your leverage like a mortgage: over-collateralized, long-term, and protected.
35–50% Live LTV Band
Most of the time you sit in a safer middle range, not right next to liquidation.
60% Recommended Ceiling
Higher starting LTV may be available when the underlying market and your approved policy allow it. Stackit.ai recommends more buffer for stronger protection.
Policy-Controlled Protection
You choose when protection starts, when debt may be repaid, and when profits may be taken. Stackit.ai monitors those rules and prepares or executes the approved actions.
Stackit.ai is designed to act before the underlying protocol's liquidation boundary by using approved repayment rules to reduce debt as risk rises. This can reduce liquidation risk and interest exposure, but market gaps, oracle or network failures, insufficient liquidity, missing permissions, or failed execution can still result in loss or liquidation.
“Choose the line. Stackit.ai watches it and acts within the permissions you approve.”
Built on trusted infrastructure
Dual Interface
Built for humans. Designed for agents.
Same treasury infrastructure, two native paths. Humans get a dashboard and a call. Agents get an API, an MCP server, and unsigned transactions — no keys handed over, ever.
For Founders
- A calm BTC/ETH treasury that looks after itself
- Borrow against your holdings with a Protection Point you choose
- Choose when to protect, repay debt, and take profits
- Reports your accountant can actually read
For AI Agents
- MCP‑native — plug into Claude, GPT, or any compatible agent in minutes
- You keep your keys. We return unsigned transactions; you sign and submit
- x402 micropayment auth — no human approval loop, ever
- Hard limits enforced on‑chain: borrow cap, health floor, cooldown
Protection
Two scores keep you safe
Health Score shows where you are. Protection Point is where Stackit.ai acts.
How the two scores relate
Health Score
Your Health Score is how close you are to liquidation. A score of 1.0 is the edge — you never want to sit there.
Protection Point
Your Protection Point is the tripwire where Stackit.ai steps in before you get close. When your Health Score touches that line, Stackit.ai automatically runs the action you chose — repay part of the loan, sell part of your assets, or both.
You can use the default Protection Point, move it higher as prices rise, or lock it to a level you're comfortable with. The pattern stays simple: you watch the number and the line, Stackit.ai handles the heavy work when they meet.
Compare
Traditional vs. Stackit.ai
Payday-Style Crypto Borrowing
- You borrow at max LTV because the platform makes it easy.
- No automated protection — you’re watching charts hoping it doesn’t crash.
- A 50% dip triggers liquidation while you sleep.
- Designed for the lender’s benefit, not yours.
Stackit.ai Protected Leverage
- You choose an approved starting LTV and a more conservative operating target.
- Rules engine auto-deleverages in drops, re-leverages in recoveries.
- Protection acts before the protocol boundary when permissions and execution conditions allow.
- Designed to keep you in the market through full cycles.
Not ready for a call?
Get the free guide: Beyond DCA — The Protected BTC & ETH Stacking Blueprint
We'll send the guide plus occasional breakdowns of real treasury setups and mistakes to avoid.
FAQ
Questions you're asking
Getting Started
Three steps to your treasury
Treasury Design Call
We map your income streams, goals, and constraints. Together we design the rules for your treasury.
We Implement Rules & Rails
We set up your treasury with safety bands, auto-repay triggers, and borrowing limits — no engineering required.
Start Depositing & Spending
You and your agents start depositing and spending inside the system. Stackit.ai handles the rest. The more consistently you deposit, the more Stackit.ai can do for you.
We accept a limited number of new treasuries each week so we can keep every client safe and supported.