币界网报道：The crypto mortgage sector is undergoing significant transformation as blockchain technology reshapes traditional financial infrastructure. Major lenders like Nexo and Celsius Network now offer crypto-backed loans with LTV ratios between 25-50%, allowing borrowers to leverage digital assets without selling them. Regulatory clarity remains a challenge, with jurisdictions like Wyoming and Switzerland emerging as crypto-friendly hubs while others maintain cautious stances. Institutional adoption is growing, with Goldman Sachs exploring crypto collateralization and Fidelity Digital Assets offering custody solutions for collateral management. The market sees particular interest in stablecoin mortgages, where platforms like MakerDAO facilitate home purchases using DAI. However, volatility risks persist, prompting lenders to implement automated liquidation protocols and over-collateralization requirements. The sector is also witnessing innovation in tokenized real estate, with projects like RealT fractionalizing property ownership on blockchain networks. As traditional banks begin experimenting with crypto mortgages through pilot programs, the industry anticipates broader integration between decentralized finance and conventional lending systems.