币界网报道：Crypto-backed mortgages are gaining traction as they offer tax efficiency and faster approval times compared to traditional loans. By using digital assets as collateral, borrowers can avoid capital gains taxes from selling crypto while accessing liquidity. Lenders like Ledn and Nexo provide these services with competitive interest rates, often approving loans within 24 hours. However, risks include crypto volatility leading to margin calls or liquidation if collateral value drops significantly. Experts suggest borrowers carefully assess loan-to-value ratios and repayment terms to mitigate risks. This emerging financial product bridges crypto holdings with real-world asset financing, appealing to crypto investors seeking liquidity without selling their holdings.