Block Earner Raises $8 Million to Launch Bitcoin-Backed Mortgage Product

According to the company’s official announcement, pilot programs are underway to enable home purchases and renovations using Bitcoin as collateral, with first transactions expected later in 2025.

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Summary

Australian fintech Block Earner officially announced that it has raised $8 million to develop a Bitcoin-collateralized mortgage solution. The product will allow borrowers to use Bitcoin as collateral for home purchases or renovations. Pilot programs are already in progress, and the company expects the first transactions to be completed later this year. Mortgages will ultimately be issued by third-party financial institutions, while repayment options will include Australian dollars, Bitcoin, or a combination of both.

Terms & Concepts
  • Bitcoin-Collateralized Mortgage: A home loan where Bitcoin is used as collateral, allowing borrowers to secure traditional property financing while maintaining crypto exposure.
  • Loan-to-Value (LTV) Ratio: A financial metric indicating the loan amount as a percentage of the property’s appraised value; in this case, up to 60%.
  • Fintech: A technology-driven company that develops innovative financial products and services, often challenging traditional banking systems.