Self-Custody Mortgage

A self-custody mortgage is a Milo product where your crypto stays in a wallet you control and is counted as financial reserves to help you qualify, rather than being pledged as collateral. You keep your private keys, your crypto never moves to a custodian, and the lender uses verified proof of the asset to evaluate your ability to repay.

The trade-off compared to a crypto-backed mortgage is a lower loan-to-value ratio. Because the crypto isn't pledged, you'll bring a meaningful down payment (often 40–50%) and the loan covers the remainder. In exchange, you avoid margin calls entirely: a crypto price drop never triggers a collateral top-up or liquidation, because the assets aren't on the hook.

This structure fits borrowers who hold significant crypto, value full self-custody, and don't want lender control of their keys for the life of a mortgage. It also suits long-term holders nearing retirement who want predictable monthly payments without crypto price volatility affecting the loan.

Why it matters for Milo customers

Milo's self-custody mortgage is the only major lender product where Bitcoin or Ethereum stays in the borrower's wallet for the full mortgage term. It's built for long-term holders who refuse to give up custody for any reason.

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