Coinbase launches crypto-backed mortgages
US-based Coinbase customers can now use Bitcoin as collateral for a home down payment without selling it or facing margin calls — announced on X (August 2025). The product is offered by Better (better.com) and powered by Coinbase, positioning it as a way to borrow against BTC with no taxable event and your crypto staying yours.
- Coinbase One members can receive up to $10,000 back at closing
- No forced selling, no margin-call risk on the collateralized BTC
- Better's mortgages are structured as crypto-backed home loans; Coinbase isn't involved in underwriting and doesn't give mortgage advice
- Subject to credit approval by Better
Sources
- Legal stuff: Subject to credit approval by Better. Coinbase does not offer mortgage advice, and is not involved in the loan underwriting process. All mortgages and crypto-backed loans are offered and serviced by Better, powered by Coinbase. Better’s home loans are structured as Replying to their earlier post: Get your house, keep your Bitcoin. Offered by @betrmortgage, powered by Coinbase. See how it works ↓ https://t.co/or6bS5NAtjx.com ↗
- Get your house, keep your Bitcoin. Offered by @betrmortgage, powered by Coinbase. See how it works ↓ https://t.co/or6bS5NAtj Replying to their earlier post: Now you can HODL and own a home. Crypto-backed mortgages are here. Use your BTC as collateral for a down payment. No selling, no margin calls, no taxable event. Your crypto stays yours. https://t.c…x.com ↗
- Now you can HODL and own a home. Crypto-backed mortgages are here. Use your BTC as collateral for a down payment. No selling, no margin calls, no taxable event. Your crypto stays yours. https://t.co/piCWNvvU2yx.com ↗
- Crypto-backed mortgages have moved in. Borrowers in the US can now use Bitcoin as collateral for a down payment - without having to sell it or face margin calls. Plus, Coinbase One members can get up to $10,000 back at closing. https://t.co/wMroUwVahXx.com ↗
