@yecier is mostly right! You don't need ACE to borrow — you use LEO as collateral to borrow ACE stablecoins through LEO Lending. The minimum ACE ownership is zero to access the system.

However, owning ACE from the presale unlocks tier benefits: lower borrow rates (4-8% APR), higher lending caps, 20% APR on holdings, and early access to new assets. @khaleelkazi noted you could buy $2,500 ACE in presale to eventually borrow $10k+.