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About Milo
Milo is a licensed US crypto mortgage lender based in Miami, serving holders who want to buy property or raise cash against bitcoin, ether or XRP. It lends fiat against crypto collateral: a crypto mortgage pledges crypto equal to the property value, finances up to 100% of the price on a 30-year fixed interest-only basis; a self-custody mortgage uses crypto only to support qualification, with no pledge and no margin call; a short-term loan advances 50% against 2:1 collateral, held at BitGo or Coinbase and not rehypothecated.
The three lines cover different needs: the mortgage avoids selling to buy a home, the self-custody version handles borrowers who will not move assets, and the loan covers renovations or all-cash purchases. Its difference from Celsius-style centralised lending is segregated custody outside the rehypothecation chain, funded by institutional credit lines rather than deposits. It lends only on US property and needs state-by-state licences, so overseas applicants cannot use the same process.
Milo is a crypto mortgage lender. On February 18, 2026, its cumulative loans surpassed $100 million (including a single $12 million loan); in August it added XRP as collateral, widening borrowers' crypto asset options.
Future strategy and roadmap: Milo will keep growing crypto mortgage volume, add more collateral asset types, and strengthen compliant links to the US real-estate market.
Josip Rupena — Founder & CEO; founded Milo in Miami in 2018 and led the launch of the world's first 30-year crypto-backed mortgage.
Milo Credit, LLC holds a California Finance Lenders Law licence (60DBO-128284) from the California Department of Financial Protection and Innovation, authorizing it to originate loans, including crypto-backed mortgages collateralized by Bitcoin or Ethereum.