Turn home equity into

Bitcoin power

Use your home equity to buy BTC with our industry-first BTC HELOC. Waitlist spots are prioritized in order of sign-up — be among the first to access early access to our BTC HELOC and secure your place today!

*All HELOCs are offered by Figure Lending LLC (NMLS ID 1717824) through figure.com.

Join waitlist

Secure your priority spot by signing up now.

Apply

Complete the HELOC application with Figure Lending LLC.

Get your BTC

If your loan is approved, BTC will be deposited to your account.

Trade Bitcoin, even with limited liquidity

Strong financial reserves but limited cash on hand? Leverage your home equity to invest in Bitcoin.

Diversify & hedge your portfolio

Add Bitcoin—an asset uncorrelated with traditional markets—to your portfolio to mitigate risk and hedge against market volatility.

Brought to you by Figure Lending, America's #1 Non-Bank HELOC lender, which has unlocked over $13B in equity for 165K+ households.

5, 10, 15, or 30-year terms

Funding in as few as 5 days

BTC purchased at market price

No prepayment penalties

Borrow up to $400k

Read our full terms

How can you use a Bitcoin HELOC?*

Scenario 1:

You own a $500K home with a $300K mortgage

Initial set up

You decided to buy $291K worth of BTC using a $300K initial draw and credit limit (with a $9K or 3% origination fee) at a 10.5%* interest rate. Your monthly payments would be $2,744.22.

BTC Rally

After six months, BTC appreciates by 15%, increasing the value of your collateral. You sell a portion of your BTC holdings and use the proceeds to pay down $45K of your balance, reducing it to $254,268 (including monthly payments).

BTC Drop

The following month, BTC’s price drops by 10%. You take advantage of the dip by drawing an additional $45,731 to purchase BTC, bringing your balance back up to your original $300K.

Scenario 2:

You own a $600K home with a $400K mortgage

Initial set up

You are approved for a maximum credit limit of $280K in BTC, but you opt for a $100K initial draw and credit limit with a 15-year term.

BTC Crash

Shortly after your BTC purchase, the price drops by 50%, reducing the value of your collateral to $50K. You decide not to increase your margin or add additional collateral.

Liquidation

To protect your loan, your BTC holdings are liquidated, generating $50K, less any liquidation fees. Proceeds from the sale are applied directly to your outstanding balance. You are left with a $50K HELOC balance and no BTC.

*These scenarios are examples to illustrate product structure and do not represent actual terms, rates, monthly payments, expectations of collateral value, or liquidation fees.

Reserve your spot on the waitlist today.

Waitlist spots are prioritized in order of sign-up—be among the first to access early access to our BTC HELOC and secure your place today!

* Terms & Conditions apply

* All fields are required

Frequently AskedQuestions

Where is the BTC HELOC offered?

The BTC HELOC will only be available to eligible U.S. residents who own properties in the United States, excluding properties located in Hawaii, Texas, and New York.

Who qualifies for a BTC HELOC?

To qualify for a BTC HELOC, you must be a homeowner with a strong credit profile and a stable financial background. These criteria help your lender practice responsible lending and safeguard clients against undue financial risk.

What happens if Bitcoin’s price drops significantly?

If BTC falls over 50%, we liquidate your BTC and use the proceeds to pay down your loan balance. After liquidation, the remaining loan balance is designed to be manageable, minimizing the potential impact on your home.

Can I lose my home if I take out a BTC HELOC?

If the price of BTC falls more than 50%, we liquidate your BTC and use the proceeds to pay down your loan. You are then in a traditional HELOC secured by your home. If you don`t make payments on your HELOC loan, your home is subject to foreclosure. This means you’ll only need to repay the remaining loan, minimizing the potential impact on your home.

Terms

Disbursement

Funds are provided as Bitcoin, sent directly to your account.

Term

5, 10, 15 or 30 years

Payments

Make fixed monthly payments (principal and interest) that are applied to your HELOC balance*

Max Credit Limit

Borrow up to $400k, calculated as $2 x (90% of of your home’s value minus the first lien amount)

BTC Purchase

We buy Bitcoin on your behalf at the current market price.

BTC Collateral

Your Bitcoin is securely held by Anchorage Digital.

Collateral Management

If your Bitcoin’s value falls below 50% of your outstanding balance, we will liquidate some Bitcoin at market prices (with a 1% liquidation fee) to restore balance.

Excess Collateral

If your Bitcoin collateral exceeds the credit limit, you can withdraw the extra amount.

New Draws

During the draw period (2 to 5 years), you can borrow additional Bitcoin up to your initial loan amount.**

Missed Payments

If you miss a payment, we may liquidate some of your Bitcoin to cover the shortfall.

Prepayment

Pay off your loan early without any penalty.

Origination Fee

An upfront fee ranging from 0% to 4.99%.*

Eligibility

Available to U.S. residents in all states except Hawaii and Texas***

* Terms and conditions apply. Terms subject to change and may vary depending on state requirements including those related to residency of
borrower and location of real property. See figure.com for more information.
**As long as the value of encumbered BTC is at least 50% of the outstanding loan balance
***Restrictions apply to both residents of the restricted states and states where the property is located.