Milo, a Miami-based monetary expertise agency targeted on crypto-backed lending, introduced it has originated greater than $100 million in crypto mortgages, marking a milestone in the usage of digital property as collateral for house financing and buying.
The company mentioned the whole contains its largest single transaction so far, a $12 million crypto mortgage, as demand grows amongst institutional and excessive web price debtors in search of alternate options to conventional mortgage constructions.
Milo’s crypto mortgage product permits purchasers to pledge Bitcoin to safe financing for house purchases with out promoting their holdings. The corporate mentioned it affords as much as 100% financing with mortgage quantities as much as $25 million, removing the need for cash down payments and avoiding taxable occasions that may include liquidating crypto property.
Chief Government Officer Josip Rupena mentioned the milestone displays broader adoption of crypto-based financing.
“Crossing $100 million in originations demonstrates the maturity and stability of our lending infrastructure,” Rupena mentioned. “We’ve moved past proving the idea. Now we’re proving the execution.”
Milo mentioned its mortgage portfolio has not skilled any margin calls, and that its rates of interest common round 7%. The agency attributed its underwriting method to AI-driven servicing and real-time collateral monitoring, which it mentioned permits for sooner threat evaluation in contrast with conventional lenders.
Milo’s self-custody mortgages
The corporate additionally highlighted a self-custody mortgage possibility, which lets debtors keep management of their Bitcoin whereas nonetheless qualifying for financing. In its customary crypto mortgage construction, Milo mentioned shopper collateral is held by way of custodians Coinbase and BitGo.
Adam Again, CEO of Blockstream, mentioned crypto-backed mortgages may develop real-world monetary use circumstances for Bitcoin holders.
“Whereas Bitcoin continues to understand, consumers are capable of construct fairness in actual property and don’t should promote their long run conviction,” Again mentioned.
Past mortgages, Milo mentioned its crypto mortgage enterprise additionally expanded sharply, with its mortgage e-book quadrupling in 2025.
The agency affords crypto-backed loans beginning at 8.25% curiosity, which it mentioned purchasers have used for purchases together with extra Bitcoin, land acquisitions, house renovations, and enterprise investments.
Again in 2022, Milo began developing what it now calls the primary U.S. bitcoin mortgage, permitting consumers to make use of their BTC holdings as collateral to buy property with out promoting for a down fee.
The corporate mentioned the 30-year product can finance 100% of a house buy, with CEO Josip Rupena and Miami Mayor Francis Suarez framing it as a means for bitcoin holders to qualify for mortgages whereas retaining publicity to BTC’s upside.
Milo operates as a licensed lender and mentioned it’s SOC 2 audited, positioning its merchandise inside regulatory oversight as crypto lending continues to develop within the U.S. monetary market.
