Coinbase and Better Mortgage Launch Bitcoin-Backed Mortgages
Bitcoin (BTC)
Editor:
Eugene Serbin
Bitcoin Magazine reports that Coinbase and Better Mortgage have announced the general availability of Bitcoin-backed mortgages for US residents. This launch follows the debut of the first such loan in June, which was secured by a married couple from Michigan who used Bitcoin as collateral instead of liquidating their holdings. The service is designed to comply with Federal National Mortgage Association guidelines and targets younger homeowners whose wealth is held on-chain.
Better Mortgage CTO Ziggy Jonsson noted that high interest rates and limited inventory pushed the median first-time buyer age to 40 in 2025. He stated that allowing Coinbase One members to pledge crypto without selling opens new paths to homeownership. Coinbase’s Ben Shen added that this enables crypto to be more useful in the real world while preserving long-term investment positions.
Eligible Coinbase One members receive a rebate equal to 1% of the mortgage value, capped at $10,000. Competitor Milo recently surpassed $100 million in digital asset mortgages, signaling growing institutional interest. Meanwhile, Ledn research suggests the sector could grow from $3 billion to $1 trillion over the next decade.
How the market reacted
Whalio's own Binance spot order flow for BTC, measured when this story was written up on 26 August 2026. Not the outlet's figures.
BTC is trading at $79,023.75 with a 24-hour buy ratio of 49.9%, indicating near-even distribution between buyers and sellers. Short-term pressure has shifted slightly bearish, with the 1-hour buy ratio at 44.7% and the 4-hour ratio at 43.0%. Volume deltas reflect this shift, showing net selling of -$9,605,302 over the last hour and -$13,495,762 over four hours. Over the full day, net selling totals -$903,088, with cumulative volume delta closing at -$64,526,673. This means sellers have outweighed buyers in recent hours, though the daily ratio remains balanced. Spot volume for the day reached $1,148,236,056 across 4,284,527 trades.
The latest daily buy ratio of 52.1% sits at the 81st percentile of the last 323 days, against a median of 49.2% - stronger buying than most days.
Twenty-four hours later
What BTC did over the 24 hours after the story broke. The market moves for its own reasons; this is what happened, not what the story caused.
Was that an ordinary day?
The same Binance spot measurements for BTC, averaged over the days leading up to the story.
The current 24-hour buy ratio of 49.9% is slightly below the 7-day average of 51.6%, a difference of 1.7 points. Daily volume is running at 0.54x the weekly average, indicating significantly lower trading activity than usual. Net buying occurred on 6 of the past 7 days, with an 8-day volume delta of +$445,688,281. Despite today's lower volume and slight bearish shift, the broader weekly trend remains positive. This represents an ordinary day for the coin relative to the strong preceding week, though activity is notably subdued.