Category
Dual-Collateral Lender
Deploy Cash for 8% (Dual Collat: RE+BTC)
I have property and bitcoin and seek $1M at 8% for 5yrs.
Details pending
RateFi — Crypto-Aware Non-QM Mortgage Program
RateFi lets qualified borrowers use verified bitcoin and other digital assets as reserves or qualifying income. The crypto is not pledged to Rate, so the property remains the mortgage collateral.
- Mortgages using crypto for qualification
- US
Peoples Reserve — Bitcoin-Powered Home Mortgage Platform
Peoples Reserve offers home-finance structures that pair a property interest with bitcoin, gold, or silver reserves. Its Bitcoin Mortgage Reserve model starts with a bitcoin contribution equal to as little as 20% of the purchase price.
- Bitcoin-reserve residential mortgage structures
- US
Better Mortgage — Token-Backed Conforming Mortgage Program
Better Mortgage originates a two-loan home-finance structure secured by both property and pledged bitcoin or USDC. The program combines a conforming first mortgage with a crypto-backed second-lien loan used for the down payment.
- Property and token-backed home financing
- US
TruFi Fund — Sound-Money Property Credit Platform
TruFi structures property financing backed by real estate and bitcoin, gold, or silver. Its public model includes purchasing a home, retiring an existing mortgage, and seller-financing the property back to the occupant.
- Sound-money-backed real estate credit
- US
Moon Mortgage — Crypto-Backed Home Loan Platform
Moon Mortgage markets home loans that use cryptocurrency as collateral. Its live site remains sparse, so transaction terms and current geographic availability require direct confirmation.
- Crypto-backed residential home loans
- US
Enness Global — Bespoke Crypto Property Finance
Enness Global arranges property finance using bitcoin and other digital assets within bespoke collateral structures. The firm acts as a broker to a global lender network rather than as the balance-sheet lender.
- Brokered crypto-backed property finance
- Global
Newmarket Capital — Bitcoin-Enhanced Real Estate Credit
Newmarket Capital structures commercial and mortgage credit using real estate and bitcoin in one collateral package. A 2026 refinancing combined a multifamily property with approximately 20 BTC.
- Hybrid BTC and commercial-property credit
- US
Newrez — Crypto-Qualified Smart Series Mortgages
Newrez recognizes eligible cryptocurrency for asset verification, reserves, and income estimation on selected mortgages. The program supports purchases and refinances without requiring the qualifying crypto to be liquidated.
- Mortgages recognizing verified crypto assets
- US
Milo — Bitcoin-secured crypto mortgage lender
Milo is a Miami-based fintech lender that has originated over $100 million in crypto-backed home loans as of February 2026, accepting Bitcoin as collateral while simultaneously holding a first-lien security interest in the financed property. Borrowers pledge crypto equal to the loan value at origination, creating a verified dual-collateral structure distinct from either a pure BTC loan or a conventional mortgage.
- dual-collateral crypto-backed mortgage origination
- U.S.-based Bitcoin and crypto holders seeking home financing without liquidating digital assets
Battery Finance — Bitcoin-Integrated Specialty Credit Platform
Battery Finance is an asset management and specialty lending platform that structures credit investments by combining bitcoin with traditionally financeable assets — such as real estate and project finance — into a unified collateral package. The firm operates as an affiliate of Newmarket Capital and was launched in partnership with Ten31.
- Unified bitcoin and traditional asset collateral lending
- Institutional borrowers and credit investors
What is dual collateral in this context?
It means a lender may evaluate both real estate and Bitcoin as part of the same credit request or structure.
Do lenders listed here guarantee loan terms?
No. Any terms shown are indicative market information and must be confirmed directly with the lender.
Can borrowers request a connection without an account?
No. Contact is gated behind verified accounts so participants have basic identity context before outreach.
What should a borrower include in a request?
Useful requests identify the property, BTC collateral posture, desired proceeds, timing, and intended use of funds.
Does BTCREFi custody Bitcoin collateral?
No. Custody, control, and loan documentation remain outside the marketplace.
Background
About Dual-Collateral Lender
Dual-collateral lending is for credit providers that underwrite against more than one form of support. In this marketplace, the category highlights lenders, credit funds, and structured finance teams willing to consider both real estate collateral and Bitcoin collateral in one practical request. The goal is not to make credit easier by ignoring risk; it is to give borrowers and advisors a clearer way to find lenders who already understand custody questions, loan-to-value discipline, margin processes, title, lien priority, and borrower intent. Listings should describe eligible collateral types, preferred transaction sizes, geographies, advance-rate posture, documentation expectations, and the kinds of borrowers or assets the lender is prepared to evaluate. Borrowers still need to verify lender authority, economics, and terms directly. BTCREFi does not broker loans or hold collateral. It provides an indexable, account-gated path from discovery to a qualified connection request.