A $3 Billion Credit Giant Is Testing Bitcoin in the Mortgage System — Here’s How

Newmarket Capital, a US-based structured-credit firm managing nearly $3 billion, is integrating Bitcoin into real-world lending through its affiliate, Battery Finance. This initiative targets crypto-asset holders by creating hybrid mortgage and commercial loan structures where income-producing real estate is paired with a portion of the borrower's Bitcoin holdings as supplemental collateral. This approach allows borrowers to access traditional credit markets without triggering taxable events from selling their crypto, while lenders gain downside protection from Bitcoin's liquidity and transparency. The model is institutional-grade, fully underwritten, and legally structured for US compliance, treating Bitcoin as a collateral complement, with repayments made in USD. This development precedes potential federal guidelines, such as those signaled by the FHFA, although current regulatory discussions suggest Bitcoin must be held on regulated exchanges to qualify for mortgage consideration.

(Source：BeInCrypto)