Works like a traditional mortgage,
except the asset is
Bitcoininstead of Real Estate.
MortgageFi brings a familiar primitive from traditional finance to crypto. Deposit a down payment, secure your digital asset, then pay it off over years. No price-based liquidations. No changing terms.
A mortgage, rebuilt on-chain.
MortgageFi is a modern version of a traditional mortgage.
Instead of a house, it's a digital asset.
Instead of the bank, it's on-chain capital.
No credit checks.
No application forms.
A borrower makes a down payment and receives a mortgage agreement. The underlying asset is held in custody by a smart contract. They make regular fixed interest payments over the term of the loan. They can pay off the mortgage early to release the asset from the smart contract to their wallet.
Mortgage-style lending on a shared pool.
The Pool model is available to use today. Lenders deposit into a shared vault. Borrowers take a mortgage against a supported asset, deposit a down payment, and repay over time. Yield to lenders comes from the pool interest.
Each vault has it’s own independent pool which you can browse for on our markets page.
Peer-to-peer mortgages, matched on an on-chain order book.
Lenders and borrowers post or accept orders directly. The engine sorts and matches them across price, rate, down payment, and early repayment fee. Matches result in contracts between lenders and borrowers.
Lenders earn yield from the down payment, ongoing repayments, and Early Repayment Fees. Lenders can set their own terms. Borrowers can accept multiple orders at the same time, the engine can blend partial fills from several lenders into one borrower position.
- Market and limit orders
- Partial fill matching
- Multi-lender order blending
- Direct lender ↔ borrower contracts
What this protocol actually does.
Under-collateralized. Take a position larger than your deposit. Real leverage, not just margin.
No price-based liquidations. Your loan does not die on a wick. Missed payments trigger structured resolution.
Fixed terms up to 30 years. Borrow on a timeline that matches a real financial plan.
Flexible repayments. Pay any amount, any time. Each payment resets the countdown.
Variable down payment. You set the leverage. The protocol does not.
Early repayment, on your terms. Exit any time with the Early Repayment Fee. Lender protected. Borrower controlled.
Built by contributors who have been shipping in DeFi since 2018. Across multiple market cycles, including Co Founding a protocol that reached $1.5B+ TVL within weeks of launch. MortgageFi is designed around small contract surface area, limited external dependencies, and lending that does not end in forced liquidation.