The firm offers up to 50% of a property’s value as a deposit loan, secured by the borrower’s bitcoin, which is held in custody by Fireblocks. Repayments can be made in cash or crypto, with no early exit penalties. To manage bitcoin’s inherent volatility, the loan is capped at a 60% loan-to-value (LVR) ratio. If bitcoin‘s price drops sharply, borrowers receive a 30-day notice to adjust the LVR by fiat repayment, additional collateral, or a Bitcoin top-up, with only a partial sale of BTC occurring if the LVR isn’t corrected. Block Earner emphasizes that the home itself is never at risk due to BTC price fluctuations.

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