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Milo has originated more than $100 million in crypto mortgages, including a single $12 million transaction, as demand for digital asset backed property financing increases among institutional and high net worth borrowers.
The Miami based lender said the milestone reflects growth in adoption of crypto collateral in residential property transactions. It reported an average interest rate of around 7% across its mortgage book and stated it has recorded zero margin calls to date.
Milo offers financing of up to 100% of a home purchase, with loan sizes of up to $25 million. Borrowers pledge Bitcoin or Ethereum as collateral, allowing them to acquire property without liquidating their digital assets. The lender also provides a self custody option, enabling clients to retain possession of their Bitcoin while securing financing.
Client collateral for its traditional crypto mortgage product is held with Coinbase and BitGo. Milo operates as a SOC 2 audited licensed lender.
The lender said its underwriting and servicing infrastructure uses artificial intelligence to support risk assessment and real time collateral monitoring.
Josip Rupena, CEO and Founder, Milo
Josip Rupena, CEO and Founder, Milo
“Crossing $100 million in originations demonstrates the maturity and stability of our lending infrastructure. We've moved beyond proving the concept. Now we're proving the execution. We're seeing demand across both high net-worth individuals and institutions who recognize crypto as legitimate collateral. Clients are buying homes with their Bitcoin and others are cashing out home equity to buy more Bitcoin.”
Milo said its broader crypto loan book quadrupled in 2025. Its crypto loan product offers rates starting at 8.25%, with borrowers using proceeds for purposes including additional Bitcoin purchases, land acquisitions, home improvements and business investment.
Adam Back, CEO, Blockstream
Adam Back, CEO, Blockstream
“Milo's product is a game changer in Bitcoin lending and unlocks real world use cases for so many bitcoiners. While Bitcoin continues to appreciate, buyers are able to build equity in real estate and don't have to sell their long term conviction, Bitcoin.”
Milo is a regulated and audited licensed lender providing crypto mortgages and crypto loans backed by Bitcoin and Ethereum to clients across the United States.
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