The next generation of borrowing on 40 Acres: multi-asset, cross-chain, fully automated.

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Portfolio Accounts

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Borrow More. Do More. Worry Less.

Today, borrowing on 40 Acres means depositing one revenue-generating asset, taking a loan, and letting rewards repay it. Portfolio Accounts remove that ceiling. Your loan is issued against the total collateral held in your Portfolio Account - every revenue generating asset, every relayer position, every collateral type you’ve added means more borrowing power; and it all lives in one place.

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Two Accounts. Two Jobs.

Portfolio Accounts introduce a clean separation between your two roles on 40 Acres.

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Borrower Account

Your Borrower Account manages everything related to your loan:

• Holds all your collateral (veNFTs, ERC4626 tokens, revenue-generating assets)
• Tracks your total debt across positions
• Processes repayments automatically each epoch
• Gives you full control over your repayment strategy; merge locks, increase lock size, top-up, vote optimization or manual vote.

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Relayer Account

Your Relayer Account handles reward automation separately:

• Claims weekly rewards across all collateral in your Borrower Account
• Executes your chosen reward strategy (compound, convert, custom)
• Operates independently so your loan and reward strategy never interfere

You can have multiple Borrower and Relayer Accounts depending on which vault you’re borrowing from.

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What You Can Do with Portfolio Accounts

Bootstrap Borrowing: Purchase a revenue generating asset with borrowed funds and immediately post it as collateral in the same transaction. Your credit and your collateral grow together, in one click. Stack positions without chaos: Run multiple Portfolio Accounts simultaneously, each with its own strategy. An aggressive compounder and a cash-flow account, side by side. Unlock collateral you couldn’t use before: veNFTs, ERC4626 tokens, ERC20 yield-bearing assets, and eventually LP positions. If it generates revenue, it can back a loan. 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 balance.

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Custom Reward Strategies

Choose how your rewards are deployed each epoch: Set it once. The Relayer executes it every epoch.

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Migration

When Portfolio Accounts launch, all existing users will be able to migrate on their own time. Active loans, collateral, and positions will carry over seamlessly if they choose to do so. New users will automatically be opted in. No action required.