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18 Feb 2026, 12:25
Crypto Mortgage Lender Milo Shatters $100M Milestone, Pioneering Revolutionary Bitcoin-Backed Home Financing
BitcoinWorld Crypto Mortgage Lender Milo Shatters $100M Milestone, Pioneering Revolutionary Bitcoin-Backed Home Financing In a landmark achievement for digital asset adoption, Miami-based crypto mortgage lender Milo has officially surpassed $100 million in total loan originations, signaling a seismic shift in how individuals leverage cryptocurrency for major life purchases. This milestone, reported by CoinDesk in early 2025, coincides with the company closing its largest-ever single loan—a staggering $12 million transaction. Consequently, Milo’s model of allowing borrowers to use Bitcoin or Ethereum as collateral to purchase homes, renovate properties, or invest in businesses without liquidating their crypto holdings is gaining unprecedented traction. Crypto Mortgage Lender Milo’s Rapid Ascent to $100M Milo’s journey to $100 million in originated loans demonstrates robust demand for alternative financing in the crypto economy. The company, founded to bridge the gap between digital wealth and traditional real estate, now operates in ten U.S. states. Significantly, its loan offerings reach up to $25 million, with interest rates starting at 8.25%. This development provides a crucial financial tool for long-term cryptocurrency holders who face substantial capital gains taxes upon selling their assets. Therefore, Milo’s service effectively unlocks the dormant equity in digital portfolios for real-world utility. Furthermore, the $12 million loan represents a powerful vote of confidence from high-net-worth individuals in the crypto space. This transaction likely involved a luxury property or commercial real estate investment, underscoring the platform’s capacity for large-scale deals. Industry analysts note that such milestones help legitimize crypto-backed lending within the broader financial sector. Meanwhile, traditional mortgage lenders typically require income verification and credit scores, whereas Milo primarily evaluates the value and custody of the crypto collateral, creating a distinct niche. How Bitcoin-Backed Home Loans Function Understanding the mechanics of a crypto mortgage is essential for potential borrowers. Essentially, Milo provides a loan using cryptocurrency as security, not as payment. The borrower pledges their Bitcoin or Ethereum to Milo, which holds it in secure, institutional-grade custody. Subsequently, the borrower receives U.S. dollars to complete their real estate transaction. They retain ownership of their crypto assets, which remain as collateral for the loan’s duration. Collateralization Ratio: Borrowers must pledge crypto worth significantly more than the loan amount to account for market volatility. Loan-to-Value (LTV): Milo typically offers LTV ratios around 30-50%, meaning a $500,000 loan requires $1 to $1.6 million in crypto collateral. Interest and Terms: The starting rate of 8.25% is generally higher than conventional mortgages but avoids capital gains tax events. Use of Funds: Proceeds can finance primary residences, vacation homes, land purchases, renovations, or even business investments. This structure is particularly advantageous during bull markets, as borrowers can access liquidity while their pledged assets potentially appreciate. However, protocols exist for margin calls if the collateral’s value drops precipitously, requiring the borrower to add more crypto or repay part of the loan. Expert Analysis on Market Impact and Risks Financial technology experts point to Milo’s milestone as evidence of maturing crypto-financial infrastructure. “Reaching $100 million in originations is a clear indicator that a sustainable market for crypto-backed real estate loans exists,” notes a fintech analyst from a major research firm. “It addresses a fundamental need for liquidity among crypto investors who are asset-rich but cash-constrained.” Nevertheless, experts also highlight inherent risks. Cryptocurrency’s notorious price volatility is the primary concern. A sharp market downturn could trigger widespread margin calls, potentially forcing liquidations. Additionally, regulatory clarity remains evolving. Milo’s state-by-state licensing approach demonstrates a careful navigation of the U.S. financial regulatory landscape. The company’s success may prompt more defined regulations for crypto-collateralized lending nationwide. The competitive landscape is also evolving. While Milo is a pioneer, other entities are entering the space. The table below contrasts Milo’s offering with a traditional home equity loan and a hypothetical crypto sale scenario for a borrower with $1.5M in Bitcoin needing a $500K loan. Financing Method Key Mechanism Primary Advantage Primary Risk/Disadvantage Milo Crypto Mortgage Loan using BTC as collateral No crypto sale; retains exposure to appreciation Volatility risk; higher interest rate Traditional Sale + Cash Purchase Sell BTC, use cash for home Lower interest rate if qualifying for mortgage Triggers capital gains tax; loses crypto exposure Traditional Home Equity Loan Loan against existing property Lower rates, established process Requires existing real estate equity The Future of Real Estate and Digital Asset Convergence Milo’s $100 million milestone is more than a company achievement; it’s a harbinger of deeper integration between blockchain-based assets and the physical economy. This trend supports the argument that cryptocurrency is evolving from a speculative investment into a functional component of personal finance. As institutional adoption of Bitcoin and Ethereum grows, services like Milo provide a critical bridge, converting digital store-of-value into tangible wealth and stability through homeownership. Looking ahead, analysts predict several developments. First, product diversification may include loans backed by a broader array of digital assets, like tokenized real estate or blue-chip NFTs. Second, interest rates could become more competitive as the model proves its reliability and attracts more capital. Finally, success may spur traditional banks to develop their own crypto-collateralized loan products, further mainstreaming the concept. Milo’s current licensed states—including Florida, California, and Texas—are likely just the beginning of a broader national rollout. Conclusion Crypto mortgage lender Milo’s surpassing of $100 million in loan originations marks a definitive moment in the maturation of cryptocurrency applications. By enabling borrowers to leverage Bitcoin and Ethereum for real estate without triggering taxable sales, Milo has identified and capitalized on a significant market need. The record $12 million loan further validates the model for high-value transactions. While challenges related to volatility and regulation persist, this milestone powerfully demonstrates the growing synergy between digital asset wealth and traditional financial goals like homeownership. The trajectory suggests that crypto-backed financing will become an increasingly standard tool for asset holders in the coming years. FAQs Q1: What is a crypto mortgage? A crypto mortgage is a loan, typically for real estate, where the borrower uses cryptocurrency like Bitcoin as collateral instead of selling it. The borrower receives cash for the purchase while their digital assets remain pledged as security for the loan. Q2: How does Milo’s loan protect against Bitcoin’s price volatility? Milo requires a high collateralization ratio (e.g., pledging $2 in BTC for a $1 loan). This creates a buffer. If the crypto’s value falls significantly, the borrower may face a margin call, requiring them to add more collateral or repay part of the loan to maintain the agreed ratio. Q3: What are the main advantages of using Milo over selling crypto to buy a house? The primary advantage is avoiding capital gains taxes. Selling a large amount of appreciated cryptocurrency can incur a significant tax liability. A Milo loan allows the borrower to access the value of their crypto for a home purchase while deferring those taxes and maintaining ownership of the assets. Q4: In which U.S. states is Milo currently licensed to operate? As of early 2025, Milo is licensed to provide its crypto-backed mortgage loans in 10 states. While the exact full list is proprietary, reported states include key markets like Florida, California, Texas, and Colorado. Borrowers should check Milo’s official website for the most current state availability. Q5: Can you use the loan for anything other than buying a house? Yes. According to Milo’s reported terms, loan funds can be used to purchase a primary or secondary home, buy land, finance property renovations, or even invest in a business. The key is using the crypto as collateral to access liquidity for a major expense without selling the assets. This post Crypto Mortgage Lender Milo Shatters $100M Milestone, Pioneering Revolutionary Bitcoin-Backed Home Financing first appeared on BitcoinWorld .
18 Feb 2026, 12:22
Lagarde Could Leave ECB Early: BTC Impact
ECB President Lagarde is in the spotlight with early departure claims. During Lagarde's tenure, who considers BTC speculative, the digital euro is advancing. Hive and Metaplanet BTC losses highligh...
18 Feb 2026, 12:16
Latest SEC Docs Show Franklin Templeton Holds Over 118M XRP
Franklin Templeton Digital Assets has revealed new details about its XRP exchange-traded fund, highlighting the scale of its exposure to the fourth-largest cryptocurrency. In a recent update, the firm noted that its XRP ETF, trading under the ticker XRPZ, offers investors exposure to XRP without directly purchasing or self-custodying the asset. Visit Website
18 Feb 2026, 12:05
Peter Thiel Exits ETHZilla, Company Sells $74.5M in ETH Amid Market Pressure
Peter Thiel and his Founders Fund have sold $74.5 million worth of ether (ETH) through ETHZilla Corp., fully exiting the company’s crypto treasury. The SEC filing confirmed Thiel’s entities no longer hold any shares in ETHZilla. The sale follows a series of ether liquidations by ETHZilla to cover debt and buy back stock. The company previously held over 100,000 ETH at its peak, according to DefiLlama. ETHZilla Faces Market Pressure ETHZilla started as a biotech firm, 180 Life Sciences Corp., before making a full pivot to cryptocurrency management in August. The Palm Beach-based company rebranded and shifted its operations entirely to focus on holding ETH, signaling a major change from its original biotech focus. The timing of this shift coincided with a broader crypto market downturn , which immediately affected the company’s treasury. Ether has fallen nearly 60% from last year’s peak, trading around $2,000 at press time. The decline put pressure on ETHZilla’s newly acquired crypto holdings, making careful financial management a priority. To stabilize its finances, ETHZilla sold ether in October and December. In late October, it liquidated roughly $40 million to repurchase shares. Two months later, it sold $74.5 million to repay senior secured convertible notes, according to filings. A Shift to Real-World Assets ETHZilla has launched a subsidiary, ETHZilla Aerospace, to offer tokenized equity in leased jet engines. The move signals a shift toward real-world, asset-backed offerings beyond its cryptocurrency holdings. Meanwhile, the company has not publicly commented on Thiel’s exit or its recent ETH sales. However, observers say these actions reflect the financial pressures facing crypto-focused public firms. Notably, the development underscores the caution high-profile investors are showing amid volatile markets. It also highlights the challenges of maintaining a public ether treasury during rapid price swings. Looking ahead, market watchers will follow ETHZilla’s aerospace venture and broader strategy for clues about its next steps. The pivot may indicate a new approach for digital asset companies seeking revenue outside of pure crypto holdings. It also shows how quickly corporate strategies can evolve in the crypto space. The post Peter Thiel Exits ETHZilla, Company Sells $74.5M in ETH Amid Market Pressure appeared first on CryptoPotato .
18 Feb 2026, 12:00
XRP Gains Traction as Public Companies Commit Over $2 Billion to Treasury Holdings
Eight public companies allocated over $2 billion in XRP to their treasury reserves. Sector diversity demonstrates XRP’s growing institutional appeal, extending beyond tech firms. Continue Reading: XRP Gains Traction as Public Companies Commit Over $2 Billion to Treasury Holdings The post XRP Gains Traction as Public Companies Commit Over $2 Billion to Treasury Holdings appeared first on COINTURK NEWS .
18 Feb 2026, 11:37
US Tax Refunds Could Boost BTC Risk Appetite
US 2026 tax refunds could provide liquidity inflow to BTC and stocks with 150 billion USD. Wells Fargo and Nansen analyses predict risk appetite. BTC at 67,383 USD in downtrend, strong support leve...
