Coinbase's Crypto Mortgage Program Goes Live for All Members

Crypto mortgage program goes live for all Coinbase One members on August 12, 2026. The program allows borrowers to pledge digital assets as loan collateral and receive a rebate of up to $10,000.

The rebate is equal to 1% of the mortgage value and applies as a lender credit against closing costs. This means that the crypto backing does not change how the loan is classified or sold on the secondary market.

Borrowers can pledge digital assets without selling them, which lets them keep their positions while still qualifying for financing. The program builds on stronger-than-expected demand, with 76% of waitlist respondents already Coinbase One members and 60% planning to buy within six months.