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Crypto-backed mortgages are a watershed moment in real estate financing because they let you use digital assets such as Bitcoin (BTC) or Ether (ETH) as collateral for a home loan. Instead of selling your cryptocurrency, you pledge it to secure funds for buying property.
Furthermore, as the adoption of cryptocurrencies grows, crypto-backed mortgages are positioning themselves as a bridge between decentralized finance (DeFi) and traditional property markets, offering a unique solution for crypto holders looking to diversify their investments without forfeiting their digital wealth. Crypto-backed mortgages are home loans where digital assets are used as collateral instead of cash or traditional assets.Surprisingly, the process is straightforward: You transfer your cryptocurrency to a lender, who locks it up as collateral. In return, they provide a loan, often in fiat currency, to finance your property purchase.By 2016, BTCJam had serviced over 16,000 loans across more than 120 countries, with the average loan size ranging from $400 to $600. Navigating a crypto-backed mortgage involves several key steps: Eligibility criteria: Lenders typically accept major cryptocurrencies like Bitcoin and Ether as collateral.Application steps: Start by identifying lenders or platforms that accept cryptocurrency as collateral. Options may include specialized crypto lending platforms and certain traditional financial institutions. Once approved, you’ll transfer your crypto assets to a secure escrow or custodial account designated by the lender. This step ensures the lender can access the collateral if necessary. Property appraisal and loan finalization: The lender will conduct a property appraisal to confirm its market value.
The latest: Wednesday, the director ... about loans, according to a post on social media. What they're saying: "In keeping with President Trump's vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset ...
The latest: Wednesday, the director of the Federal Home Finance Administration, William Pulte, told Fannie and Freddie, the mortgage giants, to bring proposals to consider digital asset wealth when making decisions about loans, according to a post on social media. What they're saying: "In keeping with President Trump's vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage," Pulte wrote.A variety of traditional assets are considered when a borrower makes a loan. What we're watching: When and how Fannie and Freddie come down on considering such assets. For example, are they included under a stated risk-adjusted basis. Also, do lenders limit the number of cryptocurrencies they will consider.The crypto rich will soon be able to include their digital asset holdings as part of their wealth when seeking a home loan.
The regulator overseeing Fannie Mae and Freddie Mac on Wednesday ordered the housing giants to consider cryptocurrency as an asset for single-family mortgage loan risk assessments, a move that could potentially open the door to borrowers using crypto investments to qualify for home loans.
June 25 (Reuters) - The regulator overseeing Fannie Mae and Freddie Mac on Wednesday ordered the housing giants to consider cryptocurrency as an asset for single-family mortgage loan risk assessments, a move that could potentially open the door to borrowers using crypto investments to qualify for home loans.Trump has sought to overhaul U.S. cryptocurrency policy after courting cash from the industry on the campaign trail. Trump has appointed industry-friendly regulators and has hosted industry leaders at the White House.Hannah Lang covers financial technology and cryptocurrency, including the businesses that drive the industry and policy developments that govern the sector. Hannah previously worked at American Banker where she covered bank regulation and the Federal Reserve.Cryptocurrencies are known for being highly volatile and are often subject to wild price swings, sometimes for no clear reason.
Get funds in 10 minutes without selling crypto. Borrow against 300+ cryptos for up to 90% of your collateral value. No credit checks or fixed repayment deadlines.
Get funds in 10 minutes without selling crypto. Borrow against 300+ cryptos for up to 90% of your collateral value. No credit checks or fixed repayment deadlines.I've used CoinRabbit multiple times and found their service to be reliable, safe, and fast. The customer service has been spectacular as well. I would recommend this to anyone who wants a loan against their crypto.The loan-to-value ratio is the related difference between the loan amount and the current market value of the collateral.One crypto loan — infinite possibilities.
The U.S. Federal Housing Finance Agency ordered Fannie Mae and Freddie Mac to prepare proposals to consider crypto as part of mortgage loan risk assessments. (Kent Nishimura/Bloomberg—Getty Images) The Trump administration is moving to consider cryptocurrency as an asset in home loan risk ...
The U.S. Federal Housing Finance Agency ordered Fannie Mae and Freddie Mac to prepare proposals to consider crypto as part of mortgage loan risk assessments. (Kent Nishimura/Bloomberg—Getty Images) The Trump administration is moving to consider cryptocurrency as an asset in home loan risk assessments, a change that would significantly broaden crypto’s role in the American traditional finance system.The U.S. Federal Housing Finance Agency (FHFA) sent a directive to Fannie Mae and Freddie Mac on Wednesday asking both enterprises to prepare to adjust their policies to include cryptocurrencies as qualifying assets for a single-family mortgage loan, according to a statement from director of the FHFA William Pulte.The directive also states that the enterprises should consider ways to mitigate the risks associated with cryptocurrencies, like “adjustments for market volatility and ensuring sufficient risk-based adjustments to the share of reserves comprised of cryptocurrency,” according to the statement from FHFA. During a typical mortgage loan risk assessment with Fannie Mae and Freddie Mac, if crypto investors want their holdings to be considered as an asset, they must convert their digital currency, like Bitcoin and Ethereum, into U.S.The directive is “in keeping with President Trump’s vision to make the United States the crypto capital of the world.”
Borrowing crypto on Binance is easy! Use your cryptocurrency as collateral to get a loan instantly without credit checks.
Binance Flexible Loan, ie. Binance Loans (Flexible rate), is an isolated, overcollateralized, open-term loan product. You can borrow and repay anytime from $1 equivelent of cryptocurrencies. Collateral of Binance Loans (Flexible rate) are subscribed to Simple Earn Flexible Products that can earn rewards every minute while being used as collateral.Yes, for every cryptocurrency, there are different maximum amounts you can pledge or borrow. Please refer to the product page for the latest information. ... All relevant interest rates of Binance Flexible Loan are updated every minute. Please refer to the Loan Data page for more information.Binance Flexible Loan offers and accepts a wide range of cryptocurrencies as loanable and collateral assets, including USDT, BTC, and ETH. Please refer to the Loan Data page for more information.Please note that same-cryptocurrency collateral-loan pairs aren't supported
The Trump administration is ordering Fannie Mae and Freddie Mac to formally consider cryptocurrency as an asset in single-family mortgage loan risk assessments.
In a landmark shift for the U.S. housing finance system, the Federal Housing Finance Agency has issued a directive ordering Fannie Mae and Freddie Mac to formally consider cryptocurrency as an asset in single-family mortgage loan risk assessments.The order directs both housing finance giants to develop proposals that include digital assets — without requiring borrowers to liquidate them into U.S. dollars prior to a loan closing. Pulte said in a post on X that the move aligns with President Donald Trump's vision "to make the United States the crypto capital of the world." Historically, cryptocurrency has been excluded from underwriting frameworks due to volatility, regulatory uncertainty, and the inability to easily verify reserves."Cryptocurrency is an emerging asset class that may offer an opportunity to build wealth outside of the stock and bond markets," the order states, acknowledging crypto's growing role in household financial portfolios.
Borrow crypto and get access to funds without selling your digital assets. Unlock new financial possibilities with a crypto Credit Line from Nexo.
Choose from over 100 supported digital assets and use multiple at once, with each asset having its own loan-to-value (LTV) ratioThe loan-to-value (LTV) ratio for each asset shows you how much you can borrow against it.Choose to receive your loan in your bank account or as stablecoins in your Nexo account.If your collateral depreciates in value, your savings will be transferred automatically to your Credit Line Wallet to keep your loan healthy.Unlike traditional loans that consider your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up, you can immediately utilize your Credit Line.
The US federal home loan regulator ... for home loans. The move comes amid a decline in the number of mortgage applications in recent years as the US experiences a housing crisis. In a statement on X on June 23, Bill Pulte, head of the Federal Housing Finance Agency (FHFA), said his agency will “study the usage of [sic] cryptocurrency holdings as ...
The US federal home loan regulator is looking into how crypto holdings could help mortgage seekers qualify for home loans. The move comes amid a decline in the number of mortgage applications in recent years as the US experiences a housing crisis. In a statement on X on June 23, Bill Pulte, head of the Federal Housing Finance Agency (FHFA), said his agency will “study the usage of [sic] cryptocurrency holdings as it relates to qualifying for mortgages.”23, 2025, most banks couldn’t offer crypto-backed loans or mortgages due to Staff Accounting Bulletin No. 121, a banking rule from the Securities and Exchange Commission that required financial institutions to count cryptocurrencies as a liability rather than an asset on their balance sheet.Crypto-collateralized mortgages may soon be possible in the US as the head of the FHFA says that his agency is studying the issue.The number of mortgage originations — i.e., the process in which a lender works with a borrower to form a mortgage loan — dropped to near record lows in the middle of 2024 and has improved little in the first quarter of 2025.
To get a loan, go to the Loans page and click the Create new loan button. There you will find the loan calculator. All you need is to choose the Crypto you want to use as Collateral, the desired Loan Amount in fiat or cryptocurrency, and a comfortable Loan Tariff (LTV).
Benefit from a market-leading 97% loan-to-value ratio. Get funds in multiple currencies and withdraw how you like - to your bank account, or another exchange · Turn your Bitcoin, Ethereum, or other crypto into cash without selling them. It's simple and fast. Unlock immediate liquidity without letting go of your investment's potential ... Quickly transfer your chosen cryptocurrency to your YouHodler wallet from a list of 50+ options.The crypto-backed loan works similar to regular loan with collateral, but in this case, as collateral you use crypto. Crypto investors like any other investors buy various cryptocurrencies and wait for the market price to jump up. But, in this case, their investments are "frozen" in the crypto.To get a loan, go to the Loans page and click the Create new loan button. There you will find the loan calculator. All you need is to choose the Crypto you want to use as Collateral, the desired Loan Amount in fiat or cryptocurrency, and a comfortable Loan Tariff (LTV).Use our intuitive loan calculator to customize your loan terms. Experience immediate approvals without the hassle of peer-to-peer platforms. Access funds in multiple fiat options or popular cryptocurrencies
Members of Gen Z, who have a higher inclination to hold cryptocurrencies compared to previous generations, have been dismayed about home affordability, but the order could allow them to leverage their crypto to get a single-family mortgage loan, Brett told Sherwood News.
He expects that the order will set guidelines for the rest of the industry, with Brett arguing that private loan providers will follow Freddie and Fannie’s lead and start allowing cryptocurrency assets in their loan assessments.The director of the Federal Housing Finance Agency ordered the mortgage giants to prepare a proposal on the matter....The time frame is “probably” about a year away, as it’s a first step in a long process, Brett said, which includes the loan giants learning more about how to measure the risks in the asset class.William Pulte, the director of the Federal Housing Finance Agency, instructed mortgage heavyweights Fannie Mae and Freddie Mac to prepare a proposal for their businesses to include cryptocurrency as an asset for a home mortgage “without conversion of said cryptocurrency to U.S.
Binance has rolled out something new called Binance Institutional Loans. It's aimed at institutional clients and allows them to borrow cryptocurrency against multiple accounts, hence creating a cross-collateralized loan setup. The kicker? These loans can potentially come with zero interest.
Binance's new institutional loans offer zero-interest potential and up to 4x leverage, revolutionizing liquidity access for institutions in the crypto market.A looming 70% tariff could reshape financial strategies, pushing cryptocurrencies into the spotlight as a hedge against inflation and a tool for fintech innovation.These loans are geared towards corporate users that are either VIP 5+ or meet specific performance benchmarks. With the right collateral, institutions can borrow between one to ten million USDC or USDT stablecoins.The loan structure itself is different—Binance’s model allows for cross-collateralization and up to 4x leverage, which could save time and capital.
The head of the federal government ... cryptocurrency holdings in their criteria for buying mortgages from banks. William Pulte, director of the Federal Housing Finance Agency (FHFA), which oversees Fannie and Freddie, ordered the agencies Wednesday to prepare a proposal for consideration of crypto as an asset for reserves when they assess risks in single-family home loans...
The head of the federal government agency that oversees Fannie Mae and Freddie Mac wants the mortgage giants to consider accepting a homebuyer’s cryptocurrency holdings in their criteria for buying mortgages from banks. William Pulte, director of the Federal Housing Finance Agency (FHFA), which oversees Fannie and Freddie, ordered the agencies Wednesday to prepare a proposal for consideration of crypto as an asset for reserves when they assess risks in single-family home loans.Pulte’s directive to consider cryptocurrency as a reserve asset in mortgage risk assessments marks a potentially transformative shift for Fannie Mae and Freddie Mac. By instructing the agencies to develop proposals that treat crypto as a viable form of capital, Pulte is signaling openness to alternative asset classes in home loan underwriting.The head of the federal government agency that oversees Fannie Mae and Freddie Mac wants the mortgage giants to consider accepting a homebuyer's cryptocurrency holdings in their criteria for buying mortgages from banksFannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) are U.S. government-sponsored enterprises (GSEs) that support the housing market. They buy mortgages from lenders, providing liquidity to banks to issue more loans.
In this blog, we’ll walk through 10 of the best crypto loan platforms in 2025 — as well as the pros and cons of each option! ... Aave is one of the world’s most popular decentralized finance (DeFi) protocols that is used to borrow and lend cryptocurrency.
Customize details about your loan — such as yield generation! Because Alchemix relies on other protocols to generate yield, there is some risk if these applications fail or are compromised. Alchemix supports less than 10 cryptocurrencies as collateral — including ETH and DAI.Arch Lending is a centralized lender focused on security. All of your crypto holdings are secured with Anchorage, and customer collateral remains in storage until the end of the loan. ... Arch Lending is focused on security — reducing the risk that you’ll lose your cryptocurrency due to hacks and/or bankruptcy.Offers startup-equity backed loans and white glove service for high net worth individuals. Beginner-friendly with quality customer service. High costs — interest rates are 14%, with an additional 1.5% origination fee. Supports BTC, ETH, and SOL only — LTV ranges from 45-60% depending on the asset. ... Binance is one of the world’s largest centralized exchanges. The platform offers a wide range of services — including cryptocurrency loans with low annual interest rates!At the time of writing, a loan on BTC has an interest rate just over 1%. ... Wide range of supported assets — over 50 cryptocurrencies can be used as collateral!
Traditional financial institutions must be able to adjust to the rising popularity of cryptocurrencies and embrace blockchain technology. As more people adopt cryptocurrencies, financial institutions expand their services. They challenge the more conventional lending models, and crypto-backed loans ...
Traditional financial institutions must be able to adjust to the rising popularity of cryptocurrencies and embrace blockchain technology. As more people adopt cryptocurrencies, financial institutions expand their services. They challenge the more conventional lending models, and crypto-backed loans emerged.Crypto-backed loan (Bitcoin loans) is a type of collateralized loan. In this case, cryptocurrencies are the collateral that users can exchange for stablecoins or fiat currencies. Typically, borrowers can leverage their crypto values, such as Ethereum or Bitcoin.Obtaining a crypto-backed loan isn’t too complex. Yet, several key elements should be understood before borrowers request one. Cryptocurrencies tend to nestle on decentralized networks. No specific body controls the flow of transactions. When borrowing a crypto-backed loan, borrowers must move their crypto assets to a centralized, secure platform.Like other types of loans, crypto-backed loans have interest rates and terms. As cryptocurrencies are relatively less risky as collateral, a crypto-backed loan usually has lower interest rates than traditional loans.
He later added: “And, obviously, ... valuable Cryptocurrencies, will be the heart of the Reserve. I also love Bitcoin and Ethereum!” · So no, probably not. Many Twitter/X users began to imagine a scenario where an individual has to explain that their mortgage was “backed by fartcoin”: ... Or, as one Twitter/X user put it: getting a loan approved based ...
He later added: “And, obviously, BTC and ETH, as other valuable Cryptocurrencies, will be the heart of the Reserve. I also love Bitcoin and Ethereum!” · So no, probably not. Many Twitter/X users began to imagine a scenario where an individual has to explain that their mortgage was “backed by fartcoin”: ... Or, as one Twitter/X user put it: getting a loan approved based on a person’s “bag of Fartcoin”:“Now therefore, the US Federal Housing FHFA, as conservator, hereby directs such Enterprise to prepare a proposal for consideration of cryptocurrency as an asset for reserves in their respective single-family mortgage loan risk assessments.As US president Donald Trump's administration continues to champion cryptocurrency, Twitter/X users have mocked a move by federal housing director William Polte to order mortgage buyers Freddie Mac and Fannie Mae to 'count cryptocurrency as an asset' in applications.US president Donald Trump has been pretty clear on his love of cryptocurrency since entering the White House for the second time, but now, a directive issued this week on mortgages and crypto has sparked ridicule, as the Republican’s administration opens the door to cryptocurrency being a consideration in people’s mortgage applications.
Coinbase is a secure online platform for buying, selling, transferring, and storing cryptocurrency.
Morpho is an open market onchain lending protocol on Base, that has undergone substantial third party auditing over time. When you borrow a loan using Coinbase’s integration with Morpho, your BTC is converted to Coinbase Wrapped BTC (cbBTC) and transferred to a Morpho smart contract where it is held as collateral.For example: If you have $100K worth of BTC and you borrow $50K of USDC, your initial LTV is 50%. If your LTV reaches 86%, either due to a drop in Bitcoin's price or an increase in the amount of your loan due to accrued interest, your collateral will be at risk for liquidation to repay the loan plus a penalty fee of 4.38% from Morpho.In order to ensure healthy loans, if the outstanding amount of your loan (including accrued interest) reaches 86% of the market value of the collateral provided, the collateral will be liquidated to repay the loan and cover a penalty fee. After the required amount of collateral has been liquidated, the remaining BTC will be withdrawn from Morpho and deposited back into your Coinbase account.Get instant loans in USDC while continuing to hold your crypto.
By distributing risk and implementing advanced security protocols, we speed up loan funding and enhance wealth preservation—always keeping your assets fully protected. Combine multiple cryptocurrencies to borrow funds in USD or Stablecoin.
For fast, secure bitcoin-backed loans, individuals and businesses trust SALT Lending to leverage their crypto assets for wealth opportunities since 2016.Life is full of adventure, and bitcoin and other digital assets can fuel them. Who said you can’t have the best of both worlds? HODL and access cash. Take out a SALT loan to better leverage your digital assets.Open an account in under 60 secondsDesigned for individuals, businesses, and investors to leverage digital assets. Access cash loans without selling your Bitcoin, earn yield, and invest strategically.No need to sell your Bitcoin. Borrow against it. With SALT, it’s simpler than ever! Trusted by thousands of individuals, businesses, and investors. Explore your bitcoin-loan options on our app.
Arch Lending is the leading crypto lending platform for loans backed by Bitcoin, Ethereum and Solana for individuals and institutions. Get an instant crypto loan with no credit check. Borrow against your crypto with a secure and regulated partner.
Explore our market leading crypto-backed loans, meticulously designed for maximum security and simplicity.Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.Get cash for life's big purchases using your crypto. Our customers have used crypto-backed loans for everything from medical bills and car purchases to weddings and vacations.We recognize that many individuals are asset rich, cash poor. With a crypto-backed loan, you can unlock liquidity from your crypto without selling it, thus retaining potential gains and avoiding a tax event.
FHFA Announces Guidance: "Assets Recognized Even Without Liquidation" The Integration of Cryptocurrency Begins... Addressing Volatility Remains a Chal