Crypto-Backed Mortgage

A crypto-backed mortgage lets you use your Bitcoin, Ethereum, or other approved digital assets as collateral for a home purchase or refinance, instead of liquidating them for a cash down payment. The lender holds the crypto in qualified custody for the life of the loan; when the loan is repaid, the crypto returns to you untouched.

The appeal for U.S. borrowers is tax efficiency and upside: selling crypto triggers capital gains tax, and you lose any future price appreciation. Posting it as collateral avoids the tax event and preserves your position. Milo was the first U.S. lender to offer this product.

Why it matters for Milo customers

Milo pioneered the crypto-backed mortgage in 2022 and has originated over $100M in crypto mortgages. Bitcoin and Ethereum are held with qualified custodians (Coinbase and BitGo) with no rehypothecation — your collateral isn't lent out or reused.

Related terms

Crypto CollateralLoan-to-Value Ratio (LTV)Capital Gains Tax (Crypto)Margin Call
Crypto-Backed LoanCrypto Collateral

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545 NW 26th Street, Suite 200
Miami, FL 33127

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Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

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