[{"data":1,"prerenderedAt":353},["ShallowReactive",2],{"api/learn-center-post-en-what-are-crypto-backed-mortgage-loans":3,"footer-en":63,"learn/crypto-101/what-are-crypto-backed-mortgage-loans-en-seo":261,"navigation-en-learn-center":266,"api/learn-categories-en":314},{"seo":4,"locale":28,"breadcrumbs":29,"excerpt":37,"featuredImage":38,"components":45,"title":5,"formattedPublishedAt":56,"geofencings":57,"category":58,"pagination":60,"campaignExternalId":8},{"title":5,"metaTitle":6,"metaDescription":7,"keywords":8,"metaRobots":8,"structuredData":9,"metaImage":10,"metaSocial":18,"canonicalURL":8,"localizations":19},"What are Crypto-backed Mortgage Loans?","What are Crypto-backed Mortgage Loans? - Crypto 101","Crypto-backed mortgages involve using cryptocurrency holdings as security against a homeowner loan. ",null,{},{"url":11,"mime":12,"ext":13,"width":14,"height":15,"name":16,"alt":17},"bitstampImageUrl/What_are_Crypto_backed_Mortgage_Loans_1png_e2d788f80b_48d619d9ca.png","image/png",".png",744,381,"What_are_Crypto_backed_Mortgage_Loans_1png_e2d788f80b.png","",[],[20,23,26],{"pathname":21,"locale":22},"/en-gb/learn/crypto-101/what-are-crypto-backed-mortgage-loans/","en-GB",{"pathname":24,"locale":25},"/es/learn/crypto-101/what-are-crypto-backed-mortgage-loans/","es",{"pathname":27,"locale":28},"/learn/crypto-101/what-are-crypto-backed-mortgage-loans/","en",[30,34],{"id":31,"text":32,"url":31,"asUrl":33},"/learn/crypto-101/","Crypto 101",true,{"id":35,"text":5,"url":27,"asUrl":36},"what-are-crypto-backed-mortgage-loans",false,"\u003Cp>Crypto-backed mortgages involve using cryptocurrency holdings as security against a homeowner loan.\u003C/p>\n",{"url":39,"mime":40,"ext":41,"width":42,"height":43,"name":44,"alt":17},"bitstampImageUrl/What_are_Crypto_backed_Mortgage_Loanssvg_aa2944867f_3334185cb6.svg","image/svg+xml",".svg",1676,858,"What_are_Crypto_backed_Mortgage_Loanssvg_aa2944867f.svg",[46],{"component":47,"props":48,"content":49,"secondaryContent":53,"ctas":54,"secondaryCtas":55,"ctasNoMarginTop":36},"section.full-text",{"centered":36,"withoutSectionContainer":36},{"text":50,"width":51,"align":52},"\u003Cp>The idea of using digital assets as collateral against traditional loan products such as mortgages has gained traction as the value in the crypto markets has grown over recent years. They offer a way to leverage the value of a digital asset portfolio to access credit without having to liquidate the assets themselves.\u003C/p>\n\u003Ch2>How do crypto-backed mortgage loans work?\u003C/h2>\n\u003Cp>A crypto-backed mortgage agreement requires that the borrower deposits cryptocurrency as collateral into an escrow account so that it can be used to guarantee the repayment of a mortgage loan.\u003C/p>\n\u003Cp>The first step is to find a lending company or \u003Ca href=\"/learn/web3/what-is-decentralized-finance-defi/\">DeFi\u003C/a> lender that accepts cryptocurrency as collateral. Since the concept of crypto-backed mortgages is still very new, it may require some shopping around to find a reputable provider with competitive lending rates and terms.\u003C/p>\n\u003Cp>It may be necessary to prove ownership of the digital assets to be used as security as part of the application process. In any case, the lender will determine how much can be borrowed based on the available collateral. The loan value may also consider factors such as volatility or the price of the target property. Crypto-backed loans are typically overcollateralized, which provides some mitigation against volatility risks.\u003C/p>\n\u003Cp>To formalize the loan, the borrower will need to surrender their collateral to an escrow account and sign a contractual agreement to the loan terms. The agreement will stipulate conditions such as the interest rates, repayment terms, loan period, and what happens if the value of the collateral falls below the value of the loan.\u003C/p>\n\u003Cp>In this scenario, the borrower may be required to add collateral to their account to bring it back to a value that sufficiently secures the loan. Alternatively, the lender may include a provision that allows them to liquidate the assets or make a legal claim on the owner’s other assets or the home itself.\u003C/p>\n\u003Cp>If the borrower pays back the loan according to the agreement, then their collateral will be returned to them at the end of the loan term. If the borrower defaults on the repayments, then according to the loan agreement, the lender will be able to claim part or all of the collateral to cover the value of the default, and assets may be liquidated.\u003C/p>\n\u003Cp>Depending on the lender and protocols used, blockchain and \u003Ca href=\"/learn/crypto-101/how-do-smart-contracts-work/\">smart contracts\u003C/a> may be used to automate the execution of loan terms.\u003C/p>\n\u003Ch2>Types of crypto-backed mortgage loans\u003C/h2>\n\u003Cp>Crypto-backed mortgage loans can be used in various scenarios where real estate financing is required:\u003C/p>\n\u003Cul>\n\u003Cli>Home purchasing mortgages are used to fund a real estate purchase, with the loan guaranteed by the value of crypto assets.\u003C/li>\n\u003Cli>Refinancing, also known as remortgaging, allows an existing homeowner to provide cryptocurrencies as collateral against a loan on a property they already own.\u003C/li>\n\u003Cli>Bridging loans are used for interim financing when a homeowner needs to finalize the purchase of a new property for a period until the proceeds from the sale of an existing property are credited.\u003C/li>\n\u003C/ul>\n\u003Cp>There are also different ways to access crypto-backed loans, depending on the lender and the products they offer. For example, some lenders may allow users to provide \u003Ca href=\"/learn/crypto-101/what-are-stablecoins/\">stablecoins\u003C/a> as collateral, which will avoid the volatility associated with assets like \u003Ca href=\"/markets/btc/eur/\">BTC\u003C/a> or \u003Ca href=\"/markets/eth/eur/\">ETH\u003C/a>. It may also be possible to cross-collateralize using a variety of cryptocurrencies in a portfolio.\u003C/p>\n\u003Cp>Lenders may use traditional lending models and infrastructure or operate as a DeFi application on a blockchain. In the latter case, the process is likely to be fully automated with little or no human involvement.\u003C/p>\n\u003Ch2>Benefits of a crypto-backed mortgage loan\u003C/h2>\n\u003Cp>There are benefits to using cryptocurrencies to secure a mortgage loan.\u003C/p>\n\u003Ch3>Access the value of assets without cashing out\u003C/h3>\n\u003Cp>Being able to leverage the value of crypto holdings without liquidating them means that the holder can benefit from any future potential upside. Furthermore, capital gains tax usually only applies at the point when the funds are cashed out, so there is no tax involved in accessing the value of the assets when they are used as collateral.\u003C/p>\n\u003Cp>In contrast, if someone had to liquidate their crypto assets to pay for a mortgage security deposit using a traditional lender, they would incur tax liability on the transaction.\u003C/p>\n\u003Ch3>Inclusive and accessible\u003C/h3>\n\u003Cp>Crypto-backed loans may be a more accessible option for those who can’t get credit through the traditional financial system in jurisdictions where crypto-backed lending is legal. Since the loan is collateralized, it doesn’t necessarily require the borrower to have an established credit rating, which may be more accessible for a foreign investor or someone who has just arrived in a country.\u003C/p>\n\u003Cp>Crypto-backed loan providers, particularly those operating as DeFi apps, may be quicker and easier to navigate than applying for a traditional homeowner loan.\u003C/p>\n\u003Ch2>\u003Cstrong>Risks of a crypto-backed mortgage loan\u003C/strong>\u003C/h2>\n\u003Cp>Crypto-backed homeowner loans are a new concept, and as such, come with several risks of which borrowers should be aware.\u003C/p>\n\u003Ch3>Volatility\u003C/h3>\n\u003Cp>Volatility may negatively impact the value of funds to the point that they fall below the level of collateralization required by the lender. In this case, it will be necessary to top up collateral.\u003C/p>\n\u003Cp>Funds held as collateral cannot be accessed, so they cannot be liquidated by the borrower even if the market crashes unless the borrower can repay the loan according to the agreement. If the value of the collateral drops, the loan agreement will allow the lender to liquidate the assets without any additional consent from the borrower.\u003C/p>\n\u003Ch3>Regulatory and policy hurdles\u003C/h3>\n\u003Cp>The lack of consistency regarding the legal status of cryptocurrencies may mean that there are regulatory hurdles to accessing crypto-backed mortgages in some jurisdictions.\u003C/p>\n\u003Cp>Furthermore, it’s up to a lender to decide which crypto assets are deemed satisfactory forms of security, so it may not be possible to use all the assets in a portfolio as collateral.\u003C/p>\n\u003Ch3>Fund security\u003C/h3>\n\u003Cp>The security of funds used as collateral is also a potential risk since the borrower will need to trust the integrity of the escrow system used. Ascertaining how funds are secured, whether they are in a custodial wallet or a smart contract address, should be an important part of due diligence on any given crypto mortgage lender.\u003C/p>\n\u003Ch2>Crypto-backed mortgages essentials\u003C/h2>\n\u003Cul>\n\u003Cli>Crypto-backed mortgages allow someone to provide crypto-assets as security against the value of a mortgage loan.\u003C/li>\n\u003Cli>Lenders will determine the amount that can be borrowed based on the value of the assets, and funds are typically held in escrow for the duration of the loan.\u003C/li>\n\u003Cli>While such an arrangement unlocks some of the value in crypto assets without liquidating them, the volatility risks, regulatory hurdles, and relatively immature state of the industry mean that crypto-backed mortgages aren’t likely to be ideal for everyone.\u003C/li>\n\u003C/ul>\n","full","left",{"text":17},[],[],"March 18th, 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20 3868 9628","+442038689628",{},{},{"noFollow":36,"isExternal":36,"name":245,"value":246,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":247,"geofencings":248},"+1 800 712 5702","+18007125702",{},{},{"noFollow":36,"isExternal":36,"name":250,"value":251,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":252,"geofencings":253},"+352 20 88 10 96","+35220881096",{},{},{"noFollow":36,"isExternal":36,"name":255,"value":256,"isEmail":36,"isPhoneNumber":33,"isText":36,"showOnDesktop":33,"showOnMobile":33,"attachment":257,"geofencings":258},"+65 3105 1676","+6531051676",{},{},"\u003Cp>Please read the general \u003Ca href=\"/legal/risk-warning/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Risk Warning\u003C/a>, and \u003Ca href=\"/legal/uk-investment-risk-warning/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Risk Summary\u003C/a> for UK residents before investing in crypto-assets. \u003C/p>\n\u003Cp>Crypto-assets services are provided by the following Bitstamp legal entities depending on client residency: (1) Bitstamp Europe S.A., which is authorized by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg as a payment institution (licence number Z00000012) and crypto-asset service provider (licence number N00000003); Registered address: 40, avenue Monterey, L-2163 Luxembourg, Grand Duchy of Luxembourg; Registration number: B196856; (2) Bitstamp UK Ltd., which is registered with the Financial Conduct Authority (FCA) in the UK for the provision of certain cryptoassets activities under the Money Laundering Regulations (Firm Reference Number 978690); Registered address: 5 New Street Square, EC4A 3TW London, United Kingdom; Registration number: 14174243; (3) Bitstamp Ltd.with its registered address at 5 New Street Square, EC4A 3TW London, United Kingdom and registration number: 8157033; (4) Bitstamp Global Ltd., which is registered as a Virtual Asset Service Provider in the British Virgin Islands and is supervised by the British Virgin Islands Financial Services Commission (FSC); Registered address: Floor 4, Banco Popular Building, Road Town, Tortola VG1110, British Virgin Islands; Registered number: 2086429; and (5) Bitstamp Asia Pte Ltd, which is authorized by the Monetary Authority of Singapore (MAS) as a major payment institution (licence number PS20200667); Registered address: 63 Chulia Street, OCBC Centre East, #15-01, Singapore 049514; Registered number: 202016687K;\u003C/p>\n\u003Cp>Virtual currency services to US residents are provided by Bitstamp USA, Inc., which is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Licensed as a Money Transmitter by the New York State Department of Financial Services. Review a \u003Ca href=\"/legal/usa-inc/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">list of its licenses and other registrations\u003C/a> (NMLS number \u003Ca href=\"https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1905429\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">1905429\u003C/a>) for more information; Registered address: 85 Willow Road, Menlo Park, CA 94025, United States of America; Registered number: 5481543.\u003C/p>\n\u003Cp>Investment services with regards to trading in crypto derivatives are provided by Bitstamp Financial Services Ltd., which is authorized and supervised by the Slovenian Securities Market Agency (ATVP) as a MiFiD investment firm. Trading crypto derivatives carries significant risks and may result in substantial losses. Please trade responsibly and ensure you understand the associated risks. You can find more about the risks \u003Ca href=\"/legal/financial-services/general-terms-and-conditions/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">here\u003C/a>. To help you understand the risks involved we have put together a series of \u003Ca href=\"/derivatives/key-information-documents/\" target=\"_blank\" rel=\"noopener noreferrer\">Key Information Documents (KIDs)\u003C/a> highlighting the risks and rewards related to each derivatives contract. Crypto derivatives trading is not available to customers in the US, Canada, Japan and some other countries. Bitstamp Financial Services Ltd. does not provide crypto-asset services.\u003C/p>\n\u003Cp>To find out more about which Bitstamp entity you receive services from, please check the Profile/My information in your Bitstamp account. You can read more about our legal terms, policies and disclosures \u003Ca href=\"/legal/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">here\u003C/a>.\u003C/p>\n","\u003Cp>All rights reserved © 2026 Bitstamp by Robinhood. \u003Ca href=\"https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1905429\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NMLS #1905429\u003C/a>\u003C/p>\n",{"description":7,"ogDescription":7,"ogImage":262,"twitterImage":262,"twitterSite":263,"twitterCreator":263,"twitterCard":264,"twitterTitle":6,"twitterDescription":7,"titleTemplate":265},"https://assets.bitstamp.net/msc/_ipx/enlarge_true&f_png&fit_cover&q_85&s_1200x630/bitstampImageUrl/What_are_Crypto_backed_Mortgage_Loans_1png_e2d788f80b_48d619d9ca.png","@Bitstamp","summary_large_image","%s",{"items":267,"ready":33,"platformButtonText":310,"backButtonText":311,"logInButtonText":312,"signUpButtonText":313},[268,272,276,279,282,285,288,293,296,301,306],{"headerName":269,"sidemenuName":140,"url":141,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":270,"submenu":271,"tag":17},"Institutions",{},[],{"headerName":132,"sidemenuName":132,"url":133,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":273,"submenu":274,"tag":275},{},[],"NEW",{"headerName":155,"sidemenuName":155,"url":156,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":277,"submenu":278,"tag":17},{},[],{"headerName":112,"sidemenuName":112,"url":113,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":280,"submenu":281,"tag":17},{},[],{"headerName":122,"sidemenuName":122,"url":123,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":283,"submenu":284,"tag":17},{},[],{"headerName":127,"sidemenuName":127,"url":128,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":286,"submenu":287,"tag":17},{"geofencing-uk":33},[],{"headerName":289,"sidemenuName":289,"url":290,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":291,"submenu":292,"tag":17},"Markets","/markets/",{},[],{"headerName":117,"sidemenuName":117,"url":118,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":294,"submenu":295,"tag":17},{},[],{"headerName":297,"sidemenuName":297,"url":298,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":299,"submenu":300,"tag":17},"Blog","https://blog.bitstamp.net/",{},[],{"headerName":302,"sidemenuName":302,"url":303,"noFollow":36,"showInHeader":33,"showInSidemenu":33,"geofencings":304,"submenu":305,"tag":17},"Learn","/learn/",{},[],{"headerName":307,"sidemenuName":307,"url":113,"noFollow":36,"showInHeader":36,"showInSidemenu":33,"geofencings":308,"submenu":309,"tag":17},"Get Bitstamp by Robinhood app",{},[],"Go to platform","Back","Log in","Get started",[315,319,323,325,329,333,337,341,345,349],{"title":316,"url":317,"geofencings":318},"Blockchain technology","/learn/blockchain/",{},{"title":320,"url":321,"geofencings":322},"Company profiles","/learn/company-profiles/",{},{"title":32,"url":31,"geofencings":324},{},{"title":326,"url":327,"geofencings":328},"Crypto definitions","/learn/crypto-definitions/",{},{"title":330,"url":331,"geofencings":332},"Crypto trading","/learn/crypto-trading/",{},{"title":334,"url":335,"geofencings":336},"Cryptocurrency guide","/learn/cryptocurrency-guide/",{"geofencing-uk":33},{"title":338,"url":339,"geofencings":340},"People profiles","/learn/people-profiles/",{},{"title":342,"url":343,"geofencings":344},"Security","/learn/security/",{},{"title":346,"url":347,"geofencings":348},"Tutorials","/learn/bitstamp-tutorials/",{},{"title":350,"url":351,"geofencings":352},"Web3","/learn/web3/",{},1776943587215]