Better (Token-Backed Mortgage) Review

CeFi Platform · Founded 2016

Borrowing APR

0.5%–1.5% above conforming rates

Max LTV

Conforming guidelines

Risk Score

3/10

Supported Assets

BTCUSDC

Key Features

  • ✓ First Fannie Mae-conforming crypto-backed mortgage
  • ✓ Dual-loan structure: conforming first lien + private crypto-secured loan
  • ✓ No margin calls — 60-day delinquency threshold only
  • ✓ USDC pledgers earn rewards while collateral is pledged
  • ✓ Coinbase One members get 1% rebate (up to $10,000)
  • ✓ Plans to add tokenized equities, fixed income, real estate
  • ✓ Coinbase Custody for selective token pledging
  • ✓ AI-native Tinman platform for fast origination
Audited: Yes
Insurance: Fannie Mae conforming loan protections
Min Loan: Standard conforming minimum

Risk Disclaimer: This review may contain affiliate links. Crypto lending involves significant risk. Risk scores are our editorial assessment. Always do your own research before depositing funds.

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