I am interested in accumulating and keeping as much crypto as possible. (I would like to hold BTC and ETH indefinitely without selling).

What would be the best way to access the cash for these assets without selling them? I particularly want to eliminate the potential for liquidation risks but still borrow as much as possible.

Right now, I have a collateralized ETH loan on AAVE where I am borrowing USDC. I am okay with doing this because I don't think ETH can go much lower and therefore my risk of liquidation is also low.

If I put ETH as collateral and borrowed ETH, then I sold the borrowed ETH, I am essentially selling someone else's ETH and keeping mine, which is good. But if ETH goes higher, the loan becomes harder to pay back.

If I continue borrowing USDC against my ETH at the top of a bull market, I am consistently exposed to liquidation risks or I would be forced to borrow only a very safe amount of USDC.

I looked into Alchemix self repaying loans and I don't know why that isn't more popular.…