How do I know which Milo product is right for me?

Choosing the right Milo product depends on how you want to use your crypto to qualify for financing.

Crypto-backed Mortgage (pledged collateral): Best if you want to buy or refinance a U.S. property with maximum financing without selling your crypto. Our most popular option allows for up to 100% financing when you pledge Bitcoin or Ethereum equal to the loan amount. If you prefer, you can also combine pledged crypto with a fiat down payment, which reduces the amount of crypto required and can lower your monthly payments. In either case, your assets are securely custodied, and your payments are interest-only.

Self-custody mortgage: Best if you want to keep your crypto in self-custody and avoid margin call risk. In this structure, your crypto is used as reserves to strengthen your application, while you contribute fiat for the down payment. This is a good fit if you have limited fiat assets or if your crypto qualifies you for more purchasing power than fiat alone would allow.

Crypto Loan: Best if you need short-term liquidity without selling your crypto. A crypto loan can be used for real estate-related needs such as an all-cash purchase, construction, or renovations. With a 2:1 collateral ratio, you can access funds quickly with minimal documentation, all while keeping your long-term holdings intact.