Crypto at the service of real estate. In an announcement published on March 26, 2026, la crypto-bourse Coinbase et Better Home & Finance have unveiled a partnership that could well redefine the contours of real estate financing in the United States. Both companies now allow borrowers to use their digital assets, in this case Bitcoin (BTC) I don't stablecoin USDC from Circle, to finance their mortgage down payment.
The key points of this article:
Coinbase and Better Home & Finance announce partnership allowing borrowers to use Bitcoin and USDC as collateral for mortgages in the United States.
This initiative paves the way for wider adoption of cryptos in the real estate sector, offering modern and advantageous solutions for digital asset investors.
A real estate loan secured by pledging Bitcoin or the USDC stablecoin
It is notably on X, this March 26, that Coinbase announced its partnership with Better Home & Finance to offer mortgages guaranteed by cryptocurrencies. The exchange platform and American fintech are joining forces to allow borrowers to pledge digital assets – Bitcoin or the stablecoin USDC – held in Coinbase accounts for finance mortgage down payment comply with the guidelines of Fannie Mae. Fannie Mae (officially Federal National Mortgage Association or FNMA) is a U.S. government-sponsored enterprise that acts as “ the bank of banks » for mortgages. It allows millions of Americans to access 15- or 30-year fixed-rate loans under favorable conditions.
“Get your house and keep your cryptos.
Cryptocurrency-backed mortgages are here – increasing access to homeownership for millions of Americans.
Buy a house without converting your wallet using BTC or USDC as collateral for your down payment.
Offered by Better, powered by Coinbase. »
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A modern response to the needs of borrowers thanks to cryptos
This type of loan presents several advantages. First, it allows borrowers to maintain their exposure to crypto-assets, thus avoiding create a tax event by selling their BTC and USDC for fiat currencies (the US dollar here). Additionally, by using digital assets as collateral, borrowers can access funds without having to go through traditional qualification proceduresbased on income and credit history.
“Mortgages backed by cryptocurrencies work just like a traditional home loan and benefit from the same legal protections. The main difference is simple: instead of having to pay money for the personal contribution, borrowers can pledge their cryptocurrency holdings to obtain a separate loan to cover this contribution. This is a major step forward for the practical usefulness of cryptocurrencies (…). »
Excerpt from the Coinbase press release
This initiative from Coinbase and Better Home & Finance indeed represents a major step towards the widespread adoption of cryptocurrencies in real estate financing. For investors in Bitcoin and other digital assets, this means new usage opportunities. Even a luxury real estate brokerage network like Christie's International Real Estate begins real estate transactions in cryptos.