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Crypto backed mortgages let buyers pledge Bitcoin or USDC but monthly payments jump hard
Business
Published on 28 April 2026
Pledging crypto avoids selling now
A new crypto backed mortgage model lets homebuyers partner with Coinbase to use Bitcoin (BTC USD) or USDC stablecoins as collateral for down payments, aiming to avoid immediate crypto sales and related tax events. But the tradeoff is steep: monthly payments can become much higher than traditional mortgages, squeezing affordability for many would be buyers.
- Bitcoin or USDC can be used as down payment collateral
- The structure is designed to avoid immediate crypto selling
- Borrowers may face significantly higher monthly payments
- Affordability concerns could limit who can use the model
Read the full story at The Economic Times
This summarization was done by Beige for a story published on 
The Economic Times