Propy Crypto-Backed Real Estate Loan

Bitcoin Mortgages

Propy, a blockchain-native real estate platform and licensed title company, launched a crypto-collateralized real estate loan product in January 2025 that uses smart contracts to close tokenized property transactions in minutes rather than weeks. Loans are double-collateralized — 50% by the underlying property and 50% by Bitcoin or Ethereum pledged by the borrower — at a 10% annual interest rate with a two-year term. The structure eliminates attorney, brokerage, title, and escrow fees through on-chain automation; pledged cryptocurrency is returned in full upon repayment.

Details

Lender: Propy / Propy Lending
Ltv Max: 65
Regions: US — FL, CO, AZ and expanding
Loan Type: Crypto-Collateralized Real Estate Loan (Tokenized)
Founded Year: 2016
Jurisdiction: US
Max Ltv Percent: 50
Accepts Btc Collateral: Yes

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