Blockchain

A blockchain is a distributed digital ledger that records transactions across a network of computers. Each transaction is grouped into a "block" and cryptographically linked to the previous block, forming a chain that's effectively impossible to alter retroactively. This is what gives Bitcoin and Ethereum their security and transparency.

For most lending purposes, what matters is: blockchain records are public and verifiable, transactions settle in minutes (vs days for bank wires), and proof of ownership doesn't depend on trusting any single institution.

Why it matters for Milo customers

Milo can verify your crypto holdings directly on-chain — no statements, no third-party attestations needed for proof. For self-custody mortgage applicants especially, blockchain transparency is what makes "prove you own this wallet" a clean, instant process.

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