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Bitcoin can now be used as collateral for home loans in the US without selling it

Market News
27 Aug 2026
Cointribune
View Source
Bullish
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Better Mortgage and Coinbase have launched a new real estate loan product in the US that allows buyers to use Bitcoin as collateral for their home down payment without selling the cryptocurrency. The loan combines a traditional mortgage with a crypto-backed loan, requiring Bitcoin collateral worth at least 250% of the loan amount. The Bitcoin is held in custody until the loan is repaid, letting owners keep exposure to Bitcoin's price movements. This innovation opens a new way for millions of Bitcoin holders to finance home purchases while retaining their crypto assets, with over $260 million already in potential loans on the waiting list.

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