Loan-to-Value (LTV) on Crypto

LTV on crypto works like LTV on real estate but applies to your digital assets. If you want to borrow $100,000 and pledge $200,000 of Bitcoin, that's a 50% LTV. Most crypto-backed mortgage lenders cap LTV between 40% and 60% to leave a cushion against price swings.

Crypto LTV matters more than real estate LTV because collateral value moves every second. If Bitcoin drops and LTV rises above a threshold, the lender issues a margin call asking you to post more collateral or pay down the loan.

Why it matters for Milo customers

Milo's crypto-backed mortgages can go up to 100% LTV on the property (1:1 crypto-to-loan ratio), and crypto-backed loans cap at 50% LTV. Margin call thresholds are preset and disclosed upfront, not adjusted ad-hoc.

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