What type of loan products does Milo offer?

Milo offers three mortgage and lending solutions designed for crypto holders: **Crypto Mortgage** A crypto mortgage is a 30-year mortgage that lets you finance a U.S. property by pledging your Bitcoin or Ethereum as collateral. By pledging crypto at a 1:1 ratio to the loan amount, you can access up to 100% financing with no down payment required. For example, pledging $500,000 in BTC or ETH secures a $500,000 mortgage. - Your pledged assets are securely custodied with regulated partners. - All crypto mortgages are interest-only with fixed rates, keeping monthly payments lower and predictable. - Flexible options are also available, where you can combine pledged crypto with fiat for a lower loan-to-value (LTV) and reduced monthly payments. **Self-Custody Mortgage** A self-custody mortgage is a 30-year mortgage that allows you to qualify using your crypto as reserves without moving it to a third-party custodian. Your Bitcoin or Ethereum remains in your own wallet while it is considered in your application to strengthen your profile alongside a fiat down payment. - No margin call risk, since your crypto is never pledged. - Ideal for those who want to maintain full control of their assets while using them to unlock mortgage eligibility. - Like all Milo mortgages, self-custody mortgages are interest-only with fixed rates. **Crypto Loan** A crypto loan is a short-term, interest-only loan that provides liquidity without selling your crypto. Standard loans require a 2:1 collateral ratio (for example, $200,000 in BTC or ETH pledged for a $100,000 loan). For clients who prefer flexibility, Milo also offers a no monthly payments option, allowing you to access liquidity without the burden of recurring payments. - Often used for real estate needs such as all-cash purchases, construction financing, or renovations. - Can also be used for fast liquidity with minimal documentation, while keeping your crypto invested.