Milo, a financial technology company and pioneer in crypto lending, announced that it has originated more than $100 million in crypto mortgages, marking a significant milestone in institutional and high-net-worth adoption of digital asset-based financing. The total includes the company’s largest single transaction to date, a $12 million crypto mortgage.
The company said it has maintained a perfect track record of zero margin calls across its mortgage portfolio while offering competitive interest rates averaging around 7%. Milo attributes its performance to AI-enhanced underwriting, servicing, and real-time collateral monitoring, which enable faster decision-making and more precise risk assessment than traditional lenders in the rapidly evolving digital asset market.
Milo offers up to 100% financing on home purchases, with loan amounts of up to $25 million. The structure eliminates the need for cash down payments and helps borrowers avoid taxable events associated with selling crypto. By pledging Bitcoin or Ethereum as collateral, clients can diversify into real estate while retaining exposure to potential crypto appreciation.
For borrowers seeking additional flexibility, Milo offers a self-custody crypto mortgage option that allows clients to retain ownership of their Bitcoin while still qualifying for financing. For traditional crypto mortgages, client assets are safeguarded through custodians Coinbase and BitGo. The company operates as a SOC 2 audited licensed lender under regulatory oversight.
Milo also reported strong growth in its broader crypto lending business. Its crypto loan product saw its loan book quadruple in 2025. With rates starting at 8.25%, borrowers have used these loans for a range of purposes, including purchasing additional Bitcoin, acquiring land, funding home improvements, and making business investments.
Founded to create real-world use cases for digital assets, Milo combines AI-driven technology with institutional-grade custody to deliver crypto mortgages and crypto loans backed by Bitcoin and Ethereum. The company serves clients nationwide.
KEY QUOTES:
“Crossing $100 million in originations demonstrates the maturity and stability of our lending infrastructure. We’ve moved beyond proving the concept. Now we’re proving the execution. We’re seeing demand across both high net-worth individuals and institutions who recognize crypto as legitimate collateral. Clients are buying homes with their Bitcoin and others are cashing out home equity to buy more Bitcoin.”
Josip Rupena, CEO And Founder, Milo
“Milo’s product is a game changer in Bitcoin lending and unlocks real world use cases for so many bitcoiners. While Bitcoin continues to appreciate, buyers are able to build equity in real estate and don’t have to sell their long term conviction, Bitcoin.”
Adam Back, CEO, Blockstream
