Borrow More. Do More. Worry Less.
Portfolio Accounts - Coming Soon | Q2
Introduction
Portfolio Accounts unlock a new way of borrowing on 40 Acres. One that removes the limits on what you can use as collateral, how much credit you can access, and what happens to your rewards along the way.
The Evolution of 40 Acres
40 Acres lets you borrow against your veNFTs - no liquidations. no interest. no selling. What’s coming in Q2 takes it even further 🐴
Currently, borrowing entails depositing a veNFT, taking a loan, and letting rewards repay it over time. Portfolio Accounts break that ceiling.
Instead of the individual veNFTs having the debt, your loans are issued against the total collateral held in your Portfolio Account. Every veNFT, every yield-bearing token, and every asset you’ve added. More collateral means more borrowing power, and it all lives in one place. On top of that, you choose exactly what happens to your rewards.
Deploy a preset or custom strategy:
Automatically compound rewards back into collateral, growing your position and your credit line continuously
Convert rewards to the asset of your choice and send to your wallet
Split rewards however you like with custom rules you set and forget
Two Accounts. Two Jobs. One Seamless Experience.
Portfolio Accounts introduce a clean separation between your two most important roles on 40 Acres, and each gets its own dedicated account.
Your Borrower Account(s) manage everything related to your loan. It holds your collateral, tracks your debt, and processes repayments automatically. It also gives you full control over your veNFT strategy.
Your Relayer Account(s) handle reward automation separately. It claims your weekly rewards, executes your chosen strategy, whether that’s compounding, converting, or routing to your wallet, and keeps everything moving without you having to watch it.
Given both account types operate independently from each other, your loan management and your relayer strategy never get in each other’s way.
Note: Users may have multiple borrower / relayer accounts depending on the Vault.
What You’ll Be Able to Do
Bootstrap Borrowing: Purchase a veNFT with borrowed funds and immediately post it as collateral in the same transaction. Your credit and your collateral grow together, in one click. Marketplace coming soon 😉
Stack positions without the chaos: Run multiple Portfolio Accounts simultaneously, each with its own strategy. An aggressive compounder and a cash-flow strategy, side by side, neither interfering with the other.
Unlock collateral you couldn’t use before: Unleash Yield-bearing assets from veNFTs to ERC4626, ERC20, and many more like yBTC. If it generates yield, it can back a loan. Your borrowing capacity grows with everything you hold.
Go cross-chain without thinking about it: Rewards earned on Optimism repay loans on Base. 40 Acres handles the bridging. You just see a smaller loan balance.
The Bigger Idea
40 Acres was built on a simple premise: your assets should work for you, not against you. No liquidations, no interest, no deadlines.
Portfolio Accounts extend that premise. The question is no longer just how much can I borrow but what can I build on top of that credit. A loan that repays itself while compounding your position. A credit line that expands as your collateral does. A borrowing strategy that executes itself exactly the way you want it to.
Conclusion
Come the Aero Merge, all users will automatically be migrated over to portfolio accounts; even if they have an active loan tied to their collateral. We are taking great care to make sure your assets are safe, so you can continue unlocking the full potential of your lock; without skipping a beat.
That’s the power of Portfolio Accounts.
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