The Bitcoin-Backed Mortgage Product I Would Like to See

March 26, 2026

The Bitcoin-Backed Mortgage product I would like to see:

  • 7/6 SOFR ARM
  • 1:1 BTC to home value backing
  • interest only (no principal payments)
  • no margin calls or liquidation on BTC

This greatly reduces the monthly payment for borrowers (no principal payments) and increase risk-adjusted returns for lenders (100% BTC collateral > 20% down payment).