币界网报道：Bitcoin-backed mortgages are gaining traction in the U.S. as crypto enthusiasts explore alternative financing options for real estate. Companies like Ledn and Milo Credit now offer loans where borrowers can use Bitcoin as collateral, avoiding traditional credit checks and lengthy approval processes. These mortgages typically require borrowers to maintain a loan-to-value ratio of around 50%, protecting lenders from Bitcoin's volatility. Advocates argue this model provides liquidity without forcing holders to sell their crypto, while critics warn of risks if Bitcoin prices plummet, potentially triggering margin calls or defaults. The trend reflects growing institutional acceptance of crypto assets, though regulatory clarity remains uncertain as agencies debate how to classify and oversee such products. Some borrowers report using these loans to purchase investment properties, leveraging crypto holdings without tax implications from selling. However, experts caution that interest rates on crypto-backed loans often exceed traditional mortgages, and the niche market currently serves primarily high-net-worth individuals comfortable with crypto's risks.