Milo

Milo is a digital mortgage lender focused on crypto holders. Its core business is offering U.S. home loans backed by Bitcoin or Ethereum as collateral, allowing borrowers to access liquidity without selling their assets. The company claims to have originated over $100 million in crypto mortgages, including a single $12 million loan.

Milo's key differentiation lies in its conservative loan structure: it can withstand up to a 65% drop in collateral value before triggering a margin call, compared to typical crypto lenders that face liquidation at 25-30% declines. This design addresses the market pain point where traditional banks reject crypto wealth as income or collateral, while early crypto lenders exposed borrowers to high liquidation risk.

In the past six months (Feb-Aug 2026), Milo has highlighted its zero-margin-call track record during volatile markets, emphasized the difference between its product and conventional mortgages (higher interest rates but no forced selling), and promoted its availability across multiple U.S. states including Florida, Texas, California, Colorado, Connecticut, and Arizona. The company also clarified that while its rates are higher than traditional loans, the product is designed for borrowers who want to keep their crypto exposure rather than sell. No major negative events were reported during this period, though the company acknowledged the higher interest rate compared to conventional mortgages as a trade-off for crypto collateral.