Coinbase has partnered with Better Home & Finance to launch a new mortgage structure that allows borrowers to use crypto as collateral for their down payment. Instead of selling assets like Bitcoin or USDC, users can pledge them to secure a separate loan while keeping their crypto exposure.

This model could change how people access homeownership, especially for crypto investors who lack liquid cash. However, it also introduces added risk — borrowers are taking on extra debt, and their assets remain locked during the loan. It’s a major step toward integrating crypto into traditional finance, but not without trade-offs.