Coinbase与Better Mortgage推出比特币抵押房贷
Coinbase and Better Mortgage Announce General Availability of Bitcoin-Backed Mortgages
加密资产与传统金融结合的新产品落地，Coinbase用户可关注其抵押贷款条件与返现政策，评估自身资金使用效率。
Bitcoin Magazine
比特币杂志
Coinbase and Better Mortgage Announce General Availability of Bitcoin-Backed Mortgages
Coinbase与Better Mortgage宣布比特币抵押贷款全面上线
Coinbase and Nasdaq-listed Better Mortgage have announced the availability of Bitcoin-backed mortgages for Americans.
Coinbase和纳斯达克上市的Better Mortgage宣布，为美国人提供比特币支持的抵押贷款服务。
The crypto exchange and lender said Wednesday that the service was designed in accordance with the Federal National Mortgage Association, or Fannie Mae.
这家加密货币交易所和贷款机构周三表示，该服务是按照联邦国家抵押贷款协会（即房利美）的标准设计的。
Coinbase and Better announced the funding of the first Bitcoin-backed mortgage in June. The service now hopes to cater to younger wannabe homeowners who have Bitcoin holdings.
Coinbase和Better在6月份宣布了首笔比特币抵押贷款的资金支持。该服务现在希望迎合那些持有比特币的年轻潜在购房者。
JUST IN: Coinbase announces the expansion of their Bitcoin-backed mortgages
最新消息：Coinbase宣布扩大其比特币抵押贷款业务
"Borrowers in the US can now use Bitcoin as collateral for a down payment – without having to sell it or face margin calls." pic.twitter.com/PXNojVSVrl
“美国借款人现在可以使用比特币作为首付的抵押品——无需出售或面临追加保证金通知。” pic.twitter.com/PXNojVSVrl
— Bitcoin Magazine (@BitcoinMagazine) August 26, 2026
— 比特币杂志 (@BitcoinMagazine) 2026年8月26日
“In 2025, high interest rates, record home prices, and limited inventory pushed the median age of a first-time homebuyer to 40,” Chief Technology Officer at Better Mortgage, Ziggy Jonsson, said.
“2025年，高利率、创纪录的房价和有限的库存将首次购房者的中位年龄推高至40岁，”Better Mortgage的首席技术官Ziggy Jonsson表示。
“Coinbase counts millions of monthly users worldwide, and by allowing Coinbase One members to pledge crypto as collateral without selling their holdings, we’re opening a new path toward homeownership for a generation of borrowers whose wealth increasingly lives onchain.”
“Coinbase在全球拥有数百万月度用户，通过允许Coinbase One会员在不出售其持有的资产的情况下质押加密货币作为抵押品，我们正在为一代财富日益链上化的借款人开辟一条通往住房所有权的新路径。”
Ben Shen, head of financial services and loyalty products at Coinbase, added: “By enabling borrowers to pledge their digital assets in the mortgage underwriting process, we are allowing crypto to be more useful and powerful in the real-world — expanding the pathways to homeownership while preserving long-term investment positions.”
Coinbase金融服务和忠诚度产品负责人Ben Shen补充道：“通过允许借款人在抵押贷款承销过程中质押其数字资产，我们让加密货币在现实世界中变得更加实用和强大——在保持长期投资头寸的同时，拓宽了通往住房所有权的途径。”
The announcement added that Coinbase One members will be eligible for a rebate equal to 1% of the mortgage value, up to a maximum of $10,000.
公告还提到，Coinbase One会员将有资格获得相当于抵押贷款价值1%的返利，最高可达10,000美元。
The debut loan by Coinbase and Better was closed by a married Michigan couple, Joe and Amy, in June. The couple used their Bitcoin holdings as collateral to fund their down payment rather than liquidating their position, the companies said at the time.
Coinbase和Better的首笔贷款于6月由密歇根州的一对已婚夫妇Joe和Amy完成。两家公司当时表示，这对夫妇使用其比特币持有作为抵押品来支付首付，而不是清算其头寸。
Crypto-backed lender Milo said earlier this year that it had surpassed $100 million in digital asset mortgages, including a record $12 million loan, as more high-net-worth and institutional clients were using Bitcoin as collateral for home financing.
加密货币支持的贷款机构Milo今年早些时候表示，其数字资产抵押贷款已超过1亿美元，包括一笔创纪录的1200万美元贷款，因为越来越多的高净值客户和机构客户正在使用比特币作为购房融资的抵押品。
Bitcoin-backed loans are still a niche product but one of the biggest lenders in the space, Ledn, has released research claiming that the space could grow from its current size of $3 billion to $1 trillion in the next 10 years.
比特币支持的贷款仍是一个小众产品，但该领域最大的贷款机构之一Ledn发布的研究声称，该领域可能在未来10年内从目前的30亿美元规模增长至1万亿美元。
This post Coinbase and Better Mortgage Announce General Availability of Bitcoin-Backed Mortgages first appeared on Bitcoin Magazine and is written by Mathew Di Salvo.
这篇文章《Coinbase与Better Mortgage宣布比特币抵押贷款全面可用》首次出现在《比特币杂志》上，作者为Mathew Di Salvo。
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