Milo — Crypto-Backed Mortgages & Lending
Milo is a financial technology company that pioneered crypto-backed lending and mortgages in the United States. Founded by Josip Heit, Milo enables homeowners and investors to use their Bitcoin and cryptocurrency holdings as collateral for mortgages and loans, without needing to sell their digital assets.
How Milo Works
Milo's crypto-backed lending model is simple and powerful:
- Use Crypto as Collateral — Pledge your Bitcoin or crypto to secure a mortgage
- No Need to Sell — Keep your crypto exposure while accessing liquidity
- Competitive Rates — Mortgage rates starting from 7%
- Up to 100% Financing — Finance up to 100% of your home purchase using crypto collateral
- Fast Approval — Streamlined approval process for crypto-savvy borrowers
Products
Milo offers several crypto-backed financial products:
- Crypto Mortgages — Buy a home using your crypto as collateral
- Crypto-Backed Loans — Access liquidity without selling your crypto
- Investment Property Loans — Finance investment properties with crypto collateral
Crypto Acceptance
Milo is a crypto-native lending platform, built specifically to serve cryptocurrency holders. The platform accepts Bitcoin (BTC) and Ethereum (ETH) as collateral for mortgages and loans.
Why Choose Milo
- Pioneer in crypto-backed mortgages and lending
- Rates from 7% with up to 100% financing
- Use BTC or ETH as collateral without selling
- Maintain crypto exposure while accessing liquidity
- Fast, streamlined approval process






































