Coinbase and Better Partner to Enable Token-Backed Mortgages

The partnership allows qualifying Americans to pledge crypto as collateral to fund their cash down payments on new homes.

Written by Ashley Bowden
Published on Mar. 27, 2026
A wooden frame representing a home filled with brown bags with dollar signs on them.
Photo: Shutterstock
REVIEWED BY
Rose Velazquez | Mar 27, 2026

Coinbase announced a new partnership with Better Home & Finance Holding Company. Supporting its goal of ensuring everyone can participate fairly in the economy through crypto, this new partnership helps Coinbase bring token-backed mortgages to millions of Americans. 

Better will originate and service the token-based mortgages through its AI-native platform, and they will benefit from the same backing of Fannie Mae as other conforming mortgages. Simultaneously, Coinbase will power Bitcoin and USDC pledges. Through this partnership, Americans who qualify for a mortgage with Better will be able to pledge Bitcoin or USDC as collateral to fund their cash down payments.

“The ability to transform digital wealth into housing access is an exciting milestone in our mission to increase economic freedom,” Max Branzburg, Coinbase’s head of consumer and business products, said in a statement. “Token-backed mortgages are a major first step to unlocking homeownership for the younger generations that have struggled with barriers to saving for a traditional down payment.”

Related ResourcesTech & Startup Jobs on Built In

Information is provided for informational purposes only and is not investment advice. This is not a recommendation to buy or sell a particular digital asset or to employ a particular investment strategy. A crypto-backed mortgage lets you buy a home using your crypto without selling it. Instead of putting cash down, you pledge BTC or USDC and receive two loans: a standard Fannie Mae mortgage on the home, and a separate loan that is secured by crypto you pledge and used to fund your cash down payment. 15-year and 30-year fixed mortgage options are available. All loans are subject to credit approval by Better. Any BTC/USDC pledged as collateral will be held in custody by Better on behalf of borrowers, pending full repayment of the underlying downpayment loan obligation. All loans are originated and serviced by Better, and any rebates will be paid by Better. USDC is not legal tender or currency. USDC held on Coinbase is not subject to protections or insurance provided by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC). The USDC rewards rate is subject to change and can vary depending on your region and ongoing experimentation.

Explore Job Matches.