Now Available
Your Bitcoin buys a home. Without selling
Milo’s crypto mortgage meets Propy’s blockchain-native escrow. The first complete path from BTC to closed escrow — no taxable event, no credit check required, deed recorded on the blockchain.
$5B+
Real estate transactions closed on Propy since 2017
12%
Of first-time buyers now hold crypto for down payments
$0
Capital gains triggered on crypto-collateral mortgages
<1hr
Average time to open escrow with Propy AI
The Problem
Crypto holders want real estate. Nobody built the bridge
You’ve held BTC through the cycles. You have real, compounding wealth. But buying a home meant selling — triggering a massive tax bill, losing your position, and dealing with lenders who have no idea what a wallet address is. That friction ends here.
Old Way
Sell crypto. Pay the IRS. Then apply for a mortgage.
Massive capital gains tax bill triggered the moment you sell BTC
Lose your entire long position on an asset still appreciating
Traditional lenders won’t count crypto as qualifying income
Weeks of opaque, manual escrow paperwork and calls
Wire fraud risk and human error at closing
No visibility into the escrow process until it’s too late
Propy × Milo
Pledge BTC. Close in days. Keep your upside.
Zero capital gains — your BTC never leaves your wallet
Keep your full BTC position as it continues to appreciate
Milo qualifies you on crypto asset value, not W-2 income
Propy AI opens escrow within the hour, 24/7, any day
Deed recorded onchain — immutable, instantly verifiable
Full real-time visibility through Propy’s AI escrow platform
How It Works
From application to close in days, not months
Four steps powered by Milo’s crypto mortgage and Propy’s AI-native escrow. No manual paperwork. No bank branch visits. No forced BTC sale.
#1
Apply with Milo in minutes
Connect your BTC wallet and complete Milo’s crypto mortgage application. No W-2, no tax return required — Milo qualifies you based on the value of your digital asset holdings. Approvals typically happen within 24 hours.
No visibility into the escrow process until it’s too late
#2
Go under contract, open escrow instantly
Work with any licensed agent, or connect with a Propy Certified Crypto Agent (CCA) in your market. The moment you sign a purchase contract, Propy’s AI platform opens escrow within the hour — any day, any time, including weekends.
Avery AI handles escrow setup instantly, 24/7
#3
Pledge BTC. Milo funds the loan.
Your BTC is pledged as collateral against the mortgage — it is never sold. Milo wires the mortgage funds to closing. Propy runs the title search and records your deed on the blockchain for permanent, fraud-proof ownership.
BTC collateral stays in a dedicated custody account
#4
You own the home. BTC intact.
Make monthly mortgage payments from income or liquid assets. Your home appreciates. Your BTC continues to climb. You hold both assets simultaneously — no forced liquidation, no tax event. This is what intelligent leverage looks like.
Both assets growing in your name, simultaneously
The Math
$178,400
saved in taxes by not selling your Bitcoin to buy a home
Scenario: BTC holder since $20K · Current price $78K · Purchasing $1.2M home in Miami · Federal LTCG rate 20%
Traditional Route
Propy × Milo
BTC sold to fund purchase
₿15.4 sold @ $78K
₿0 — none sold
Original cost basis
₿15.4 @ $20K = $308K
N/A — no sale event
Taxable capital gain
$892,000
$0
Federal tax owed (20% LT)
$178,400 due
$0 due
BTC retained after close
₿0 — position gone
₿15.4 fully intact
Upside if BTC hits $150K
$0 — already sold
+$1.1M unrealized gain
True cost of the home
$1,378,400+
$1.2M + upside
Your BTC is gone. You paid a six-figure tax bill. If BTC reaches $150K, you missed $1.1M+ in appreciation.
You own the home AND keep your full BTC. Both assets appreciating simultaneously.
“I had a $4.2M contract signed at 10PM on a Friday. Propy opened escrow within an hour. My crypto client couldn’t believe how smooth it was. This is the only way I’ll work crypto deals going forward.”
Alexandre Adler · Realty of America · Miami, FL
Products
Three ways to buy real estate with crypto
Whether you want to use your BTC as collateral, tap your combined home and crypto equity, or close in days with an all-cash offer backed by digital assets — Propy and Milo have a path built for you.
BTC sold to fund purchase
For BTC & ETH holders
Accepted collateral
BTC, ETH
Max LTV
50–65%
Starting rate
From 7.95% APR
Capital gains event
$0 triggered
Credit check
Not required
Onchain deed via Propy
Included
Most Popular
Crypto-Backed HELOC
For homeowners with crypto
Draw from
Home + BTC equity
Max line amount
Up to $5M
Rate type
Variable, prime-linked
Auto-rebalancing
Yes, built-in
BTC sold
$0
Propy escrow
Included
Propy Full-Cash Close
For speed & off-market deals
Close speed
As fast as 7 days
Crypto accepted
BTC, ETH, USDC
Onchain deed
Included
AI escrow (Avery)
24/7, any day
Title insurance
Included
Off-market advantage
Cash offer strength
For Real Estate Agents
Your crypto clients can finally close
12% of buyers nationwide now hold crypto assets. Most agents lose those deals because traditional lenders don’t speak Bitcoin. Propy × Milo eliminates that barrier entirely — giving you a complete, compliant path from crypto holdings to closed deal.
Agents who earn the Certified Crypto Agent (CCA) designation through Propy become the go-to specialist in their market for high-net-worth crypto buyers. It’s a differentiation that’s increasingly hard to ignore.
Never lose a crypto buyer again
Milo pre-qualifies your clients in hours on BTC and ETH holdings — no income docs required. Bring them as a fully funded, pre-approved buyer.
Open escrow any hour, any day
Avery, Propy’s AI escrow agent, opens escrow within the hour of contract signing — 24/7, including weekends. No more losing momentum waiting for Monday.
Access premium crypto buyer referrals
CCA-certified agents receive direct referrals from high-net-worth crypto buyers. Motivated, funded, and targeting luxury and investment properties.
Fraud-proof blockchain deeds
Every Propy closing records the property deed on the blockchain. Immutable, permanently verifiable. Your clients close with confidence.
Built on regulated, licensed infrastructure
Seven years of blockchain real estate
Licensed Title
FL & multi-state escrow
$5B+ Closed
Blockchain transactions since 2017
WEF Pioneer
World Economic Forum 2018
NMLS Licensed
Milo licensed in 40+ states
Onchain Deeds
Blockchain records since 2018
FEATURED IN
FAQ
Common questions, answered plainly.
Crypto-backed mortgages are new. Questions are normal.
No. Pledging BTC as loan collateral is not a disposal or sale — it does not create a taxable event under current IRS guidance. You retain ownership and your cost basis stays unchanged. Only a sale, exchange, or certain disposals of BTC trigger capital gains. Always consult a qualified tax advisor for your specific situation.
Milo continuously monitors the loan-to-value (LTV) ratio on your pledged BTC. If BTC falls below agreed thresholds, Milo may require you to add collateral, make a principal reduction payment, or — in extreme sustained drops — liquidate a portion of the pledged BTC. These thresholds, margin call procedures, and cure periods are clearly defined in your loan agreement before you sign.
Milo is currently licensed in 40+ states including Florida, Texas, California, New York, Colorado, Washington, and most major markets. Contact Milo directly to confirm availability in your specific state before proceeding.
Milo pre-approval typically takes 24–48 hours once your wallet is connected and documentation submitted. Once under contract, Propy opens escrow within the hour and manages title, documentation, and closing coordination. The full process typically takes 30–45 days, though some transactions close in as few as 7 days.
You can use any licensed agent. However, Propy Certified Crypto Agents (CCA) are specifically trained to navigate crypto-backed transactions, understand the Milo mortgage process, and work fluently with Propy’s platform. Using a CCA will make the process significantly smoother for both you and your lender.
Milo currently accepts Bitcoin (BTC) and Ethereum (ETH) as mortgage collateral. USDC and select stablecoins may be accepted for down payment contributions in certain transactions. Contact Milo for the most current list of accepted assets.
Legally and functionally, yes — Propy is a fully licensed title and escrow company. The difference is that Propy operates on a technology platform that automates the most manual parts of the process. The deed is recorded both on the county land record AND on the blockchain — two immutable records of ownership.
Yes. Milo’s crypto mortgage is available for primary residences, second homes, and investment properties. LTV ratios and available loan amounts may vary by property type. Contact Milo to discuss the specifics of your investment strategy.
Propy × Milo
The future of real estate closes with crypto.
Stop losing your BTC position to buy property. Get early access before the public launch and be among the first to close with a crypto-backed mortgage and blockchain-recorded deed.
Propy × Milo · Partnership Preview
For informational purposes only. Milo lending products are subject to credit approval and state licensing. Rates and terms subject to change. Not tax or legal advice — consult a qualified advisor. BTC-collateral products carry risk, including potential margin calls if collateral value declines.
