{"id":12564,"date":"2026-08-30T06:10:18","date_gmt":"2026-08-30T06:10:18","guid":{"rendered":"https:\/\/cryptonews.uk.com\/?p=12564"},"modified":"2026-08-30T06:10:18","modified_gmt":"2026-08-30T06:10:18","slug":"better-launches-bitcoin-backed-mortgage-with-coinbase","status":"publish","type":"post","link":"https:\/\/cryptonews.uk.com\/?p=12564","title":{"rendered":"Better launches Bitcoin-backed mortgage with Coinbase"},"content":{"rendered":"<p><\/p>\n<div data-single-article-content=\"\">\n<p>Better Mortgage and Coinbase announced on Aug. 26 that Better&#8217;s token-backed conforming mortgage had reached general availability. Better&#8217;s product page says interested borrowers can start an application.<\/p>\n<p>The structure does not use Bitcoin to secure the primary mortgage. Instead, a homebuyer takes two loans from Better: a standard first mortgage on the home designed to conform to Fannie Mae guidelines, and a separate loan that supplies the cash down payment. The second loan is secured by pledged Bitcoin and a second lien on the property.<\/p>\n<div class=\"cs-article-embed\">\n<p> <span class=\"cs-article-embed__related-reading\">Related Reading<\/span><\/p>\n<h3 class=\"cs-article-embed__title\">Homebuyers can now borrow against Bitcoin to get a mortgage without selling or liquidation risk<\/h3>\n<\/p>\n<p> <span class=\"cs-article-embed__arrow\" aria-hidden=\"true\"> <i class=\"fa-light fa-arrow-up-right\"\/> <\/span> <\/div>\n<p>Under Better&#8217;s current product terms, Bitcoin carries a 40% advance rate, equal to a 250% collateral requirement. In the company&#8217;s example, $250,000 of BTC supports a $100,000 down-payment loan. Better&#8217;s program terms say that advance rates can change without notice, so those figures describe the published structure rather than a guaranteed offer for every applicant.<\/p>\n<div class=\"cs-article-embed\">\n<p> <span class=\"cs-article-embed__related-reading\">Related Reading<\/span><\/p>\n<h3 class=\"cs-article-embed__title\">Bitcoin just crossed into credit markets \u2014 with forced selling built in<\/h3>\n<\/p>\n<p> <span class=\"cs-article-embed__arrow\" aria-hidden=\"true\"> <i class=\"fa-light fa-arrow-up-right\"\/> <\/span> <\/div>\n<p>The Bitcoin is transferred to Better Mortgage&#8217;s custodial account on Coinbase Prime. Better&#8217;s terms prohibit the borrower from selling, transferring, re-pledging or otherwise encumbering it without prior written consent during the pledge period. The borrower keeps economic exposure to the Bitcoin, but gives up normal control and liquidity.<\/p>\n<aside id=\"cs-inline-newsletter-1\" class=\"cs-inline-newsletter\" data-inline-newsletter=\"\" data-newsletter-placement=\"article-midpoint\" data-newsletter-pending-label=\"Joining\u2026\" data-newsletter-pending-status=\"Joining the Daily Brief\u2026\" data-newsletter-email-required-message=\"Before sending, please provide your email address.\" aria-labelledby=\"cs-inline-newsletter-1-title\" aria-describedby=\"cs-inline-newsletter-1-copy\">\n<div class=\"cs-inline-newsletter__inner\">\n<div class=\"cs-inline-newsletter__content\"> <span class=\"cs-inline-newsletter__eyebrow\"> <i class=\"fa-regular fa-envelope\" aria-hidden=\"true\"\/> The Daily Brief <\/span><\/p>\n<h2 id=\"cs-inline-newsletter-1-title\" class=\"cs-inline-newsletter__title\">The signal, before the noise.<\/h2>\n<p id=\"cs-inline-newsletter-1-copy\" class=\"cs-inline-newsletter__copy\">Start your day with the crypto stories moving markets, decoded by CryptoSlate\u2019s editors.<\/p>\n<\/div>\n<div class=\"cs-inline-newsletter__form-shell\">\n<p class=\"cs-inline-newsletter__form-heading\">One email. Everything that matters.<\/p>\n<p id=\"cs-inline-newsletter-1-privacy\" class=\"cs-inline-newsletter__privacy\">Free to join. Unsubscribe any time.<\/p>\n<p> <i class=\"fa-regular fa-circle-xmark\" aria-hidden=\"true\"\/> <span>Whoops, looks like there was a problem. Please try again.<\/span><\/p>\n<p> <i class=\"fa-regular fa-circle-check\" aria-hidden=\"true\"\/> <span><strong>You\u2019re on the list.<\/strong> Your next Daily Brief is on its way.<\/span><\/p>\n<\/div>\n<\/div>\n<\/aside>\n<p>Coinbase provides the account-transfer and Prime infrastructure. It does not originate or service the loans; Better handles the application, underwriting, closing and ongoing servicing.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-558928\" src=\"https:\/\/cryptoslate.com\/wp-content\/uploads\/2026\/08\/exec-bb4e75d5-b9e0-4ea6-a961-73decfcae358.png\" alt=\"Diagram showing $250,000 in pledged Bitcoin held in Better's Coinbase Prime account supporting a $100,000 down-payment loan, with possible liquidation after 60 days of payment delinquency and no margin call from Bitcoin price moves alone.\" width=\"720\" height=\"1402\"\/><img decoding=\"async\" class=\"lazyload aligncenter wp-image-558928\" src=\"https:\/\/cryptoslate.com\/wp-content\/uploads\/2026\/08\/exec-bb4e75d5-b9e0-4ea6-a961-73decfcae358.png\" alt=\"Diagram showing $250,000 in pledged Bitcoin held in Better's Coinbase Prime account supporting a $100,000 down-payment loan, with possible liquidation after 60 days of payment delinquency and no margin call from Bitcoin price moves alone.\" width=\"720\" height=\"1402\"\/><\/p>\n<h2>Payment default, not price, drives liquidation<\/h2>\n<p>Day-to-day Bitcoin price movements alone do not trigger a margin call, a demand for more collateral or forced selling under the current public terms. That is the product&#8217;s main difference from a conventional crypto margin loan, where a rising loan-to-value ratio can prompt automatic liquidation.<\/p>\n<p>The trigger is payment delinquency. Better says delinquency begins the day after a missed payment and gives the borrower 30 days to bring the account current. If the borrower remains delinquent for 60 days, Better says it may liquidate the pledged Bitcoin. The individual loan documents ultimately govern the borrower&#8217;s obligations and Better&#8217;s remedies.<\/p>\n<p>That leaves the buyer with risks that are separate from Bitcoin&#8217;s day-to-day price. A forced sale can eliminate future upside and may create a taxable event, according to Better&#8217;s terms. The second lien also gives the down-payment lender another secured claim against the home.<\/p>\n<p>The offer is not automatically available to every U.S. borrower. Applicants need a verified Coinbase account, must satisfy Better&#8217;s underwriting and conforming-loan requirements, and must purchase in an eligible jurisdiction. Better&#8217;s program terms specify a minimum 680 FICO score and say the product may be limited to select states, but they do not publish a state-by-state list.<\/p>\n<div class=\"cs-article-embed\">\n<p> <span class=\"cs-article-embed__related-reading\">Related Reading<\/span><\/p>\n<h3 class=\"cs-article-embed__title\">US adopts crypto in mortgage risks as Fannie Mae and Freddie Mac update asset models<\/h3>\n<\/p>\n<p> <span class=\"cs-article-embed__arrow\" aria-hidden=\"true\"> <i class=\"fa-light fa-arrow-up-right\"\/> <\/span> <\/div>\n<\/div>\n<p>Featured,Payments,Bitcoin,BTC,Coinbase,paymentsBitcoin,BTC,Coinbase,payments#launches #Bitcoinbacked #mortgage #Coinbase1788070218<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Better Mortgage and Coinbase announced on Aug. 26 that Better&#8217;s token-backed conforming mortgage had reached general availability. Better&#8217;s product page says interested borrowers can start an application. The structure does not use Bitcoin to secure the primary mortgage. Instead, a homebuyer takes two loans from Better: a standard first mortgage on the home designed to<\/p>\n","protected":false},"author":1,"featured_media":12565,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[91,2682,285,84,257,3467,167],"class_list":["post-12564","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ethereum","tag-bitcoin","tag-bitcoinbacked","tag-btc","tag-coinbase","tag-launches","tag-mortgage","tag-payments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Better launches Bitcoin-backed mortgage with Coinbase - Crypto News: Latest Cryptocurrency News and Analysis<\/title>\n<meta name=\"description\" content=\"Better\u2019s Bitcoin-backed down-payment loan pairs with a conforming mortgage. 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