Figure Crypto-Backed Loan
Bitcoin Mortgages
Figure Technology Solutions, publicly traded on Nasdaq (FIGR), offers Bitcoin-, Ethereum-, and Solana-backed loans through its blockchain-native lending platform, having facilitated over $17 billion in total home equity lending. Borrowers can pledge BTC, ETH, or SOL as collateral for up to 75% LTV with no credit checks, no term limits, and no origination or prepayment fees, at fixed rates from 9.9% to 15% depending on LTV. Figure also offers a Bitcoin-backed HELOC variant and merged with Figure Markets in August 2025 to consolidate lending, trading, and yield on a single platform.
Details
- Regions
- US — nationwide
- Loan Type
- Crypto-Collateralized Loan / Bitcoin-Backed HELOC
- Founded Year
- 2018
- Max Ltv Percent
- 75
- Accepts Btc Collateral
- Yes
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Abra Bitcoin Lending
Abra is a US-based digital asset wealth management platform offering Bitcoin-backed loans for high-net-worth individuals. Abra Boost and Abra Borrow allow clients to leverage Bitcoin holdings for liquidity without selling, with competitive interest rates for accredited investors. The platform manages over $1 billion in digital assets.
Ameris Bank
Ameris Bank is a regional bank and mortgage lender that accepts cryptocurrency holdings, including Bitcoin, as qualifying assets for residential mortgage applications. Based in the Southeast US, Ameris Bank has updated its mortgage underwriting guidelines to accommodate borrowers with significant digital asset holdings, aligning with FHFA guidance allowing crypto reserves for conforming loans.
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