Frequently asked questions

To qualify, you’ll need to use your Bitcoin or Ethereum either as pledged collateral or as reserves:

• Pledged collateral (crypto mortgage): You pledge your crypto directly to Milo’s secure custodian, Bitgo or Coinbase. Our most popular option is 100% financing with no down payment, made possible by pledging crypto equal to the full loan amount at a 1:1 ratio. For example, if you’re purchasing a $750,000 property, you can pledge $750,000 worth of BTC or ETH to cover the entire loan with no cash out of pocket. You also have the flexibility to combine pledged crypto with a fiat down payment, which reduces the amount of crypto required and can lower your monthly payments.

• Reserves (self-custody mortgage): You keep your crypto in self-custody and use it as a qualifying asset to strengthen your application. In this path, you contribute fiat for the down payment, and your crypto is never transferred or subject to margin calls. This approach is often chosen by borrowers who want to maintain self-custody while still using their crypto to expand their purchasing power.

Both approaches require completing Milo’s onboarding, KYC verification, and a credit review.

Milo offers financing for U.S. residential properties, including single-family homes, condominiums, townhomes, and 2–4 unit properties. Both primary residences and investment properties are eligible, provided they meet Milo’s property guidelines.

If you’re looking to finance new construction or purchase an empty lot, Milo’s crypto loan can be used to cover those needs. This gives you flexibility whether you’re buying a finished home or building one from the ground up.

The maximum loan amount is currently $5 million. Higher amounts may be considered on a case-by-case basis depending on the property value and your crypto collateral. If you’re interested in a loan above $5 million, contact us at loans@milo.io or call 1-888-433-6456 to discuss your scenario with our team.

The minimum loan amount depends on how you use your crypto to qualify:

• Pledged collateral: The minimum loan amount is $275,000. You’ll need to pledge at most that amount in BTC or ETH to qualify, though you can choose to bring in fiat toward a down payment to reduce the amount of crypto pledged.

• Reserves: The minimum loan amount is $200,000 when your crypto is used as reserves alongside a fiat down payment. In this structure, your crypto remains in self-custody and is used as a qualifying asset to strengthen your application. This option is often chosen by borrowers whose crypto holdings allow them to qualify for more purchasing power than fiat alone would support.

Yes, we do. Milo allows financing for properties owned by an LLC or corporate entity, as long as the entity is properly registered and appears on county records as the owner.

Yes. Property insurance is required throughout the life of the loan. You’ll need to maintain an active homeowners or hazard insurance policy to remain in compliance. This coverage protects both you and Milo in the event of damage, loss, or liability tied to the property.

Depending on the property, you may also be required to carry flood insurance or windstorm coverage if the home is located in a designated hazard area. Your Milo loan consultant and the closing team will confirm exactly what’s needed during the process so you can secure the right policies before closing.

Keep in mind that insurance premiums are part of your overall cost of ownership, so it’s important to factor them into your monthly expenses alongside your mortgage payment.

Yes. You can have more than one mortgage with Milo as long as each property is financed separately. Milo only secures a first-lien position, which means we cannot offer secondary financing on the same property. If you already have a mortgage on a property, you may refinance it with Milo, or you can take out a new mortgage on a different property.

Milo will only complete a credit pull after you’ve finished your application and signed both your Loan Estimate and Intent to Proceed documents. This ensures that a hard credit inquiry only happens once you’ve decided to move forward with the loan. For U.S. citizens and residents, a minimum credit score of 660 is required. Credit is reviewed to confirm you are in good standing, but it is not the sole factor in your approval since your crypto pledge is the primary qualifying element. By waiting until later in the process, you can explore your options and understand your loan terms before any impact is made to your credit profile.

The amount of crypto required depends on how you choose to use it in the mortgage:

Pledged collateral: To access up to 100% financing with no down payment, you’ll pledge crypto equal to the full loan amount at a 1:1 ratio. For example, if you’re financing a $400,000 property, you can pledge $400,000 worth of BTC or ETH and cover the entire purchase with your crypto. You also have the option to combine pledged crypto with a fiat down payment, which reduces the amount of crypto required and can lower your monthly payments.

Reserves: When used as reserves, the pledge requirement is relative to your loan amount and other qualifying factors. Your crypto stays in self-custody and is counted as a qualifying asset to strengthen your profile. This allows you to contribute fiat for the down payment while using your crypto to expand your purchasing power beyond what fiat alone would allow.

The initial application takes about 10 minutes or less. Once submitted, you’ll receive instant pre-qualification based on the information you provide and be presented with loan program options with varying terms.

After you select your preferred program and sign your Loan Estimate and Intent to Proceed documents, you’ll pay for the appraisal, and our team will begin working on your approval. From there, the full process typically takes 2 to 4 weeks. This timeline includes third-party steps such as the appraisal, title review, insurance verification, and Milo’s final underwriting.

Your Milo dashboard allows you to track each step, securely submit documents, and stay connected with your loan consultant throughout the process.

The exact documents vary by borrower and property type, but generally include:

• Identification: A valid passport or driver’s license for KYC purposes.
• Property documents: Purchase agreement, appraisal, and title details.
• Credit review documents: Consent for Milo to pull your credit once you sign your Loan Estimate and Intent to Proceed.
• Insurance information: Proof of homeowners, hazard, and if required, flood or windstorm coverage.

Your Milo dashboard will serve as the secure portal for uploading all documents, and our loan consultants will guide you through exactly what’s needed for your file.

Most applicants complete the initial application in under 10 minutes. Once you begin, you’ll have 10 days to finish at your own pace through the Milo dashboard. If more time is needed beyond that, you may be asked to start a new application to ensure information remains accurate and up to date.

If your application is denied, you’ll receive a notice explaining the reason, such as property eligibility, credit standing, or documentation issues. Because valuations and market conditions change, you are welcome to apply again in the future. Our loan consultants can also walk you through the feedback and help you understand what’s needed to qualify next time.

Milo does not require a seasoning period for your crypto funds. Both long-held and newly purchased assets can be used, as long as they can be transferred to our approved custodian before closing.

Some exchanges and wallets may impose their own seasoning period, usually to comply with anti-money laundering or fraud-prevention policies. This means there could be a delay between when you purchase crypto and when you are able to move it off the platform.

Because of this, we recommend making sure you have enough transferable crypto ready for the transaction, along with additional reserves if needed, to avoid last-minute issues or delays in funding.

Generally, pledging crypto as collateral is not considered a taxable disposal event in the United States — you retain ownership and the crypto is not sold. However, tax treatment can vary based on individual circumstances. We strongly recommend consulting a tax professional or CPA familiar with cryptocurrency before applying. Milo does not provide tax advice.

Milo charges a loan origination fee and a small underwriting fee. You’ll also be responsible for third-party costs such as the property appraisal, title search, and insurance. Altogether, fees typically total about 2% to 4% of the loan amount, which is in line with standard mortgage costs and can help you plan ahead.

If you pledge crypto at a 1:1 ratio, you can access up to 100% financing with no down payment, making these fees your primary upfront costs. If you use crypto as reserves, you’ll contribute fiat for the down payment in addition to standard closing costs. In both cases, your Milo loan consultant will provide a Loan Estimate early in the process so you know exactly what to expect before moving forward.

A traditional mortgage requires a cash down payment (typically 20%) and relies entirely on income and credit history for qualification. A Milo crypto mortgage lets you use Bitcoin or Ethereum as collateral — enabling up to 100% financing without selling your crypto. Both are first-lien mortgages on U.S. residential properties. Milo crypto mortgages are fixed-rate and interest-only, while traditional mortgages are typically principal + interest.

All Milo crypto mortgages are interest-only. This means your monthly payments cover only the interest due, giving you lower ongoing costs and more flexibility to manage your crypto holdings. Principal is repaid when the property is sold, refinanced, or if you choose to make additional payments.

No. All Milo crypto mortgages are fixed-rate loans. Your interest rate is locked at closing and will not change over the life of the loan, giving you predictability and stability in your monthly payments.

Prepayment terms vary by loan. Some Milo crypto mortgages have no prepayment penalty, while others may include a penalty period of up to three years. Even if your loan has a penalty, you can always prepay up to 20% of the original principal balance per year without any fee. Your Loan Estimate and Closing Disclosure will clearly outline whether a penalty applies.

Not at this time. All monthly mortgage payments must be made in USD via ACH transfer. Your crypto is used to qualify and secure the mortgage, not as a method of repayment.

Our goal is to empower clients to continue building equity in real estate while maintaining the upside potential of their digital assets. For now, that means keeping crypto held as collateral or reserves while payments are made in fiat. As we continue to innovate, we may explore alternative payment options and schedules in the future.

Your first payment is due on the first day of the month following 30 days after your closing date. For example, if your mortgage closes on June 10, your first payment will be due on August 1. This structure ensures you have a full month between closing and your first payment. Your Milo dashboard will show your complete payment schedule and send reminders so you can plan ahead.

Right now, the way to update your bank information is by contacting our servicing team at servicing@milo.io. They’ll make the changes directly for you.

We’re also expanding self-serve options in the Milo dashboard, which will soon allow clients to securely update their own bank details without needing to reach out.

Milo currently accepts Bitcoin (BTC) and Ethereum (ETH) for both pledged collateral and reserves. At this time, no other digital assets are eligible. We’re always evaluating additional options, and client requests are welcome as we continue to expand the program in the future.

If you are pledging crypto, it must be transferred to Milo’s approved custodian after conditional approval of your loan file and no later than 48 hours before closing. This ensures your loan can fund on schedule. Crypto used as reserves is never transferred and remains in your self-custody.

All pledged crypto is held with one of Milo’s approved custodians: BitGo or Coinbase Custody. Both are regulated, institution-grade custodians that specialize in protecting digital assets at scale.

BitGo is a long-standing leader in digital asset custody, known for its multi-signature security protocols, cold storage solutions, and $250 million in insurance coverage underwritten by Lloyd’s of London. Coinbase Custody, a subsidiary of Coinbase, is likewise a regulated custodian that offers segregated cold storage, SOC 1 and SOC 2 compliance, and extensive insurance protections for the assets it safeguards.

When you pledge crypto with Milo, a dedicated sub-account is created in your name with the custodian. This structure keeps your assets fully segregated from Milo’s corporate accounts and from other clients’ holdings. By partnering exclusively with trusted custodians that meet the highest security and compliance standards, Milo ensures your crypto remains safe, auditable, and protected for the entire duration of your loan.

No. Pledged collateral must remain unencumbered while it is held with the custodian. This means you cannot stake, lend, or otherwise use the assets until they are released at the end of your loan. Staking introduces third-party and liquidity risks that could interfere with the custodian’s ability to safeguard your crypto and Milo’s ability to maintain a stable loan structure.

By keeping pledged assets unencumbered, we ensure your crypto is always available, secure, and fully protected throughout the life of the loan.

Not at this time. Once pledged, your BTC or ETH must remain in its original form with the custodian. Stablecoin conversion is not yet supported, though Milo continues to explore future flexibility in how pledged assets can be managed.

Your pledged crypto remains with the custodian for the entire duration of the loan. However, if the value of your pledged assets rises significantly, typically above 125% of the loan amount, you may be eligible to withdraw the excess. Crypto used as reserves is never locked, since it stays in your self-custody.

If you’ve pledged crypto as collateral, a margin call is generally issued once the value of your collateral drops by about 69% from its original level. The exact margin call threshold may vary depending on your loan terms, but you’ll always be able to clearly track your specific requirements within your Milo dashboard.

When a margin call occurs, you’ll have 72 hours to respond. During this time, you can either pledge additional crypto or make a principal payment to restore your loan-to-value ratio.

If no action is taken within that timeframe and the value continues to fall, a portion of your collateral may be liquidated to protect the loan.

If you’re using crypto as reserves, there is no margin call risk since your assets remain unpledged and in your self-custody.

If your loan reaches the margin call threshold, Milo will notify you immediately through email and your dashboard. You’ll have 72 hours to respond by either adding more collateral or making a principal payment. If no action is taken and collateral continues to decline in value, a portion of the pledged crypto may be liquidated to restore balance.

Despite volatility in the crypto markets, Milo has not issued any margin calls to date. Our 1:1 collateral structure and program design have allowed borrowers to withstand significant market downturns without triggering liquidations.

Yes. Milo’s crypto mortgage can be used to refinance both U.S. residential and investment properties. When refinancing, you can either pledge your Bitcoin or Ethereum as collateral for up to 100% financing or use your crypto as reserves to strengthen your application while keeping assets in self-custody. Milo only secures a first-lien position, which means the refinance must replace your existing mortgage.

Once your loan is fully repaid, your pledged crypto is released by the custodian and returned to you. The release process begins as soon as payoff is confirmed, and timing may vary depending on the custodian’s transfer procedures. If you prefer your assets sent to a different wallet than the one originally used, you can provide updated instructions at the time of payoff.

The Self-Custody Mortgage lets you use Bitcoin or Ethereum as financial reserves while keeping them in your own wallet — you never transfer custody to Milo or a third-party custodian. Instead of pledging crypto as collateral, you demonstrate sufficient crypto holdings as a reserve requirement alongside a traditional fiat down payment. Because you retain custody, there are no margin calls triggered by crypto price movements during the loan.

No. Because your crypto is held in self-custody and is not pledged as collateral, Milo does not monitor its market value or issue margin calls. Your monthly payment obligations remain fixed in USD regardless of Bitcoin or Ethereum price movements. This is one of the key advantages of the Self-Custody Mortgage over the standard Crypto Mortgage.

When you sell crypto to fund a down payment, you trigger capital gains taxes, lose future appreciation on those coins, and permanently exit your position. A Milo Crypto-Backed Mortgage lets you keep your crypto as collateral while buying a home so you benefit from both real estate appreciation and continued crypto growth. Our Mortgage Comparison Calculator models this side by side: in a typical scenario with $1M home purchase and BTC used as collateral, borrowers retain over $1.6M more in long-term wealth compared to selling. The math strongly favors keeping your crypto.

Milo's Mortgage Comparison Calculator shows you the long-term wealth impact of a Crypto-Backed Mortgage versus selling your crypto for a traditional down payment. Enter your home price, crypto holdings, cost basis, capital gains tax rate, and appreciation assumptions to see a side-by-side comparison of total returns, interest costs, and wealth created over your chosen time horizon.

The savings depend on your specific situation how much crypto you hold, your cost basis, your capital gains tax rate, and how much you expect your crypto to appreciate. In a typical scenario with a $1M home and Bitcoin at $100k (cost basis $20k), using a Crypto-Backed Mortgage instead of selling generates a wealth advantage of over $1.6 million over 5 years primarily by avoiding capital gains tax and preserving your crypto's future upside. Use Milo's Mortgage Comparison Calculator to run the numbers with your own inputs.

Yes. The Mortgage Comparison Calculator factors in your cost basis and applicable capital gains tax rate to show the true after-tax cost of liquidating your crypto for a down payment. The capital gains tax savings from not selling — often six figures — are one of the most powerful reasons to choose a Crypto-Backed Mortgage over a traditional down payment approach.

The True Annual Interest Rate gives you a more complete picture of each path's real cost. For the "Sell Crypto" scenario, it factors in not just the mortgage interest but also the capital gains tax you pay when you liquidate — a hidden cost that traditional rates don't capture. For the Crypto-Backed Mortgage, it accounts for the tax savings you gain by keeping your crypto, which effectively lowers the true cost of borrowing. In most scenarios, the crypto mortgage's true rate ends up significantly lower once those tax benefits are included.

No — the Mortgage Comparison Calculator provides illustrative projections based on the assumptions you enter (home price, crypto value, cost basis, tax rate, and appreciation rates). Actual results will vary depending on market conditions, interest rates, and your personal financial situation. The tool is designed to help you understand the potential wealth impact of each path, not to guarantee specific outcomes. Always consult a financial advisor before making major decisions.

To qualify, you’ll need to pledge Bitcoin or Ethereum at a minimum 2:1 ratio to the loan amount. For example, if you want to borrow $100,000, you’ll need to pledge $200,000 worth of BTC or ETH as collateral. You’ll also need to complete Milo’s onboarding and KYC process. State restrictions also apply.

At this time, Milo’s crypto loan program is only available to borrowers with a valid U.S. ID, and funds can only be deposited into a U.S. bank account. Unlike a crypto mortgage, credit history is not part of the approval process.

Minimum loan amounts vary by state, starting at $5,000. The amount of crypto collateral required depends on the loan amount and LTV ratio — typically you'll need to pledge at least 2× the loan amount in BTC or ETH.

The maximum loan amount is $1.5 million. Larger amounts may be considered on a case-by-case basis depending on your collateral and profile.

Crypto loans are structured as 12-month, interest-only loans. At maturity, the principal balance is due in full. You may choose to repay the balance, refinance into a new loan, or request a rollover if you are in good standing.

A crypto loan can be used for almost any purpose. Many clients use them for real estate-related expenses such as an all-cash purchase, construction, or renovations. Others use them for short-term liquidity needs like debt consolidation, business expenses, or major purchases. Some even use a crypto loan to buy more crypto, taking advantage of market opportunities while keeping their long-term holdings intact.

The key benefit is that you can access cash quickly without selling your crypto.

No. Milo does not pull credit for crypto loans. Approval is based entirely on your Bitcoin or Ethereum collateral and successful completion of KYC verification. At this time, Milo’s crypto loan program is only available to borrowers with a valid U.S. ID, and loan proceeds can only be deposited into a U.S. bank account.

The approval process for a crypto loan is fast. Once you complete your application, Milo’s system reviews your collateral and information instantly. Most applicants receive conditional approval the same day, with final approval typically completed within 24 hours once the required steps are finished.

The documentation requirements are minimal compared to a mortgage. You’ll need to provide:

• A valid U.S. government-issued ID
• Your Social Security Number (SSN) for identity verification (Milo does not run a credit check for crypto loans)
• Bank account details, both for where loan proceeds will be wired and where your monthly interest payments will be debited
• Any additional information required to complete Milo’s KYC process

Once approved and your crypto collateral is transferred to Milo’s custodian, loan proceeds are typically wired to your U.S. bank account within 24 hours. In most cases, borrowers receive their funds the next business day after collateral is confirmed.

Milo’s crypto loans are interest-only for the 12-month term. By default, you make 11 monthly interest payments, then a final balloon payment at maturity to cover outstanding principal and any remaining interest. This keeps monthly payments lower and gives you flexibility to refinance, roll over, or pay off the balance at the end of the term.

Prefer not to make monthly payments? Milo also offers a no-monthly-payment option where interest accrues during the term and is paid at maturity, available at a slight premium to the standard interest rate.

If you've opted into Milo's monthly payment crypto loan program, your first interest-only payment is due one month after funding. For example, if your loan is funded on June 15, your first interest installment will be due on July 15. Payment schedules are displayed in your Milo dashboard, and you’ll receive reminders to help you stay on track

Monthly payments are made in USD via ACH transfer from the bank account you provide during your application. Once your loan is funded, you’ll log in to your Milo dashboard to access the servicing portal, where you can confirm your account details and view your upcoming payment schedule.

If you wish to payoff your loan in full, you can log in to your Milo dashboard to access the servicing portal, where you can follow the payoff and wire transfer instructions.

Not at this time. All crypto loan payments must be made in USD via ACH transfer from the bank account you provide during your application. Your pledged crypto remains securely custodied and is not used for monthly payments.

This structure is designed to protect your collateral and keep it fully available for the life of the loan, while also making payments simple and predictable. Our goal is to empower clients to use their crypto for financing without being forced to sell it, and keeping payments in USD allows you to build flexibility into your financial planning.

You may request that a portion of your pledged crypto be liquidated to cover a payment if needed. This option is intended as a last resort rather than a standard payment method, since it reduces your collateral buffer and could increase margin call risk.

Yes. If your payment is more than 10 days late, a late fee will apply equal to the greater of 5% of the past due payment or $15.

If a payment remains outstanding, Milo may liquidate a portion of your pledged crypto at its current market value to cover the missed amount. Only what is needed to bring the account current will be liquidated.

Our mission is to help crypto holders build wealth and enjoy the appreciation of their portfolios, so liquidation is always considered an absolute last resort. We encourage clients to stay current through their bank account to avoid fees and protect their collateral.

There is no prepayment fee. You’re free to prepay your crypto loan in part or in full at any time without penalty. Paying early reduces your overall interest expense and allows you to reclaim your pledged collateral sooner.

When your 12-month crypto loan reaches maturity, you have three options:

• Pay off the balance: You can repay the full principal along with any remaining interest and reclaim your pledged collateral.
• Refinance into a new loan: You may apply for a new crypto loan with equal or greater value and use the proceeds to pay off the existing balance.
• Request a rollover: If you’re in good standing, you may be eligible to roll your loan into a new 12-month term. Our team will review your profile and collateral to confirm eligibility.

Each path allows you to decide how best to manage your liquidity while keeping your crypto working for you.

Yes. For crypto loans, you can choose a no-monthly-payment option where interest accrues during the 12-month term and is paid at maturity along with the principal. This option is available at a slight premium to the standard interest rate and may have additional eligibility requirements. To request this option or review full program details, email loans@milo.io.

Loan-to-value (LTV) is the ratio between the amount you borrow and the value of the crypto you pledge. Milo’s crypto loans require a 2:1 collateral ratio. For example, if you pledge $200,000 worth of BTC or ETH, you can borrow $100,000. The LTV is constantly monitored based on current market prices of your collateral.

Nothing will happen if your collateral value fluctuates within normal market ranges. A margin call is only triggered once the value of your pledged crypto falls beyond a certain threshold.

• At a 2:1 collateral ratio (50 LTV), a margin call occurs if your collateral drops by about 25% from its original level.

When this happens, Milo will notify you through your dashboard, and you’ll have 72 hours to respond. During this time, you can either add more collateral or make a principal payment to bring the loan-to-value ratio back in line.

If no action is taken within that window and the value continues to fall, a portion of your pledged crypto may be liquidated at the current market value to protect the loan. You can track your real-time collateral position, margin thresholds, and requirements directly in the Milo dashboard, giving you full visibility and control.

If the value of your pledged crypto increases, your LTV ratio decreases, giving you more room before hitting a margin call. In some cases, you may be eligible to take out an additional loan using the excess collateral. Reach out to your Milo loan consultant to review your options.

No. Pledged crypto must remain unencumbered while held with the custodian. Staking or lending your assets would compromise their security and interfere with Milo’s ability to maintain a stable loan structure. Keeping collateral unencumbered ensures it remains fully available throughout the life of your loan.

A margin call is issued if the value of your pledged crypto falls beyond certain threshold:

At a 2:1 collateral ratio (50 LTV), a margin call occurs if your collateral drops by about 25% from its original level.

When this happens, Milo will notify you immediately by email and through your dashboard. You’ll have 72 hours to take action, either by adding more collateral or making a principal payment to bring your loan-to-value ratio back in line.

If no action is taken within that window and the value continues to fall, Milo may liquidate a portion of your pledged crypto at current market value to restore balance. You can always track your live collateral status and margin thresholds directly in your Milo dashboard, so you know exactly where you stand.

If no action is taken within the 72-hour margin call window, Milo may liquidate a portion of your pledged crypto at its current market value to bring your loan back into compliance. Only the amount needed to cover the shortfall will be liquidated, never more.

Our mission is to help crypto holders build wealth and benefit from the long-term appreciation of their portfolios. For that reason, liquidation is always considered an absolute last resort. We encourage clients to use the tools available in their Milo dashboard to manage collateral proactively and avoid reaching this stage.

To add collateral, you’ll transfer additional BTC or ETH to the same custodian address you used when you first pledged assets. This address is also displayed in your Milo dashboard under the collateral section. Once the transfer is confirmed, your updated balance will appear in your account, and your margin call will be cleared.

Yes. Instead of pledging more crypto, you can choose to make a principal payment to reduce your outstanding loan balance. This lowers your loan-to-value ratio and clears the margin call without the need to add additional collateral.

Your pledged crypto is returned once your loan is fully repaid. The release process begins as soon as payoff is confirmed, with timing dependent on custodian procedures. If you’d like the assets returned to a different wallet than the one originally used, you can provide updated instructions at the time of repayment.

We have dedicated teams ready to help depending on your needs:

• Client support: For general help or to speak with a loan consultant, email loans@milo.io
• Loan operations: For questions about your loan or documents, email processing@milo.io
• Loan payments: For help with mortgage payments, email closing@milo.io
• Partnerships: To explore partnership opportunities, email partnership@milo.io
• Press & media: For press inquiries, email press@milo.io
• Technical support: For technical issues or general questions, email help@milo.io

We apologize for any inconvenience this has caused and we encourage you to report any errors to help@milo.io. We are happy to help you complete your application.

We understand that the mortgage process can be tricky to understand. Our team of mortgage experts can answer any of your questions. Please contact us at 1-888-433-6456 or help@milo.io and we will help you immediately.

Yes. Milo is a regulated U.S. lender and requires every borrower to complete a standard KYC process. This includes verifying your identity through government-issued documents and confirming ownership of pledged crypto. The process is fully digital and handled securely through your Milo dashboard.

Yes. While you’re still in Stage 1 of the application process, you can log into your Milo dashboard and update your information directly. Once you’ve moved beyond Stage 1, changes need to be handled by our team. In that case, reach out to us at help@milo.io or call 1-888-433-6456, and we’ll make the adjustments in your file so your application continues without disruption.

Applications naturally expire if they are not completed within the 10-day application window. If you’ve already paid for your appraisal and decide not to move forward, you’ll need to contact our team at loans@milo.io or 1-888-433-6456 so we can close your file and confirm the cancellation.

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