CoinMortgage has launched a new loan service in the United States that allows approved customers to finance Bitcoin purchases over time, without needing to already own any cryptocurrency or make a large initial outlay.
The Florida-based company said its Bitcoin purchase financing product, which quietly went live on 4 July 2026, has been created to give qualifying borrowers a structured way to build long-term Bitcoin holdings through fixed monthly payments.
Under the model, once a loan is approved, CoinMortgage uses the proceeds to buy Bitcoin on behalf of the customer. That Bitcoin is then held in custody for the duration of the loan and is only transferred to the borrower’s chosen wallet after the debt has been fully repaid.
The firm stresses that the Bitcoin securing each loan is not rehypothecated – in other words, it is not re-lent or otherwise reused as collateral. Each customer is given a unique Bitcoin address so they can independently view their collateral on the blockchain.
“CoinMortgage was built to give qualified borrowers a transparent and responsible way to build long-term Bitcoin ownership through predictable monthly payments, while their Bitcoin is securely held during the loan term,” the company said.
No existing Bitcoin required
CoinMortgage positions its offering as an alternative to traditional Bitcoin-backed loans, which typically require customers to pledge cryptocurrency they already own.
By contrast, this service is aimed at people who do not yet hold Bitcoin but want to acquire it gradually using a loan with mortgage-style repayment terms.
According to the company, the platform has been designed around clearly defined loan conditions and secure custody, and does not involve margin calls or prepayment penalties. Borrowers are not required to provide existing Bitcoin as collateral, with eligibility instead determined through standard underwriting and credit checks, and subject to applicable law and specific loan terms.
“Ownership is the goal. Financing is the path. Our focus is on clarity, responsibility, and helping customers understand exactly how the product works: when Bitcoin is purchased, how it is secured, and when it is transferred,” CoinMortgage said.
Prospective borrowers can find further details or submit an application via the firm’s website at https://coin.mortgage/.
Regulatory status and company background
CoinMortgage is based in Fort Lauderdale, Florida. It is registered with the US Financial Crimes Enforcement Network (FinCEN) as a Money Services Business and also holds a Florida Money Services Businesses Part II registration under licence number FT230000560.
The company notes that FinCEN registration does not constitute any form of government endorsement of its services.
CoinMortgage describes itself as a Bitcoin financing specialist focused on making long-term ownership more attainable through “responsible, transparent financing”. Its core process involves approving a loan, using the funds to acquire Bitcoin for the borrower, holding that Bitcoin in custody throughout the loan term and transferring it to the borrower’s designated wallet after the loan has been paid off in full.
Risk and eligibility warnings
CoinMortgage says all loans are subject to underwriting, credit approval, borrower qualifications, relevant law and final loan terms. It also highlights that Bitcoin carries price risk, although the original announcement’s risk disclosure was incomplete.
The original notice publishing the announcement emphasised that any decision to use or rely on the products and services described is taken at the reader’s own risk, and that the publisher accepts no responsibility for any loss, damage, claim, cost or expense arising directly or indirectly from such use or reliance.
