digital assets
Under-collateralized, rebuilt for DeFi.
What is MortgageFi?
MortgageFi is a modern spin on traditional mortgages, replacing physical property with digital assets like Bitcoin.
Mortgage takers deposit a down payment then make regular fixed payments for the term of the loan. Users have the option to repay mortgages early, for a fee.
DeFi lending is capital inefficient
Over-Collateralized
Deposit $150 to borrow $100. DeFi lending locks up more capital than it unlocks, the opposite of leverage.
Under-Collateralized
Variable down payments terms. Unlock more capital than you deposit, real leverage for DeFi.
Liquidation Events
One bad price wick and your position is gone. Cascading liquidations amplify crashes and destroy borrowers.
Zero Price Liquidation Risk
No price-based liquidations, ever. Missed payments trigger structured resolution.
Short-Term Only
Variable rates, no fixed terms. Impossible to plan around. DeFi has no product for long-horizon borrowing.
Up To 30-Year Fixed Terms
Predictable repayments over decades. Plan your finances like a traditional mortgage, on-chain.
Over-Collateralized
Deposit $150 to borrow $100. DeFi lending locks up more capital than it unlocks, the opposite of leverage.
Under-Collateralized
Variable down payments terms. Unlock more capital than you deposit, real leverage for DeFi.
Liquidation Events
One bad price wick and your position is gone. Cascading liquidations amplify crashes and destroy borrowers.
Zero Price Liquidation Risk
No price-based liquidations, ever. Missed payments trigger structured resolution.
Short-Term Only
Variable rates, no fixed terms. Impossible to plan around. DeFi has no product for long-horizon borrowing.
Up To 30-Year Fixed Terms
Predictable repayments over decades. Plan your finances like a traditional mortgage, on-chain.
How it works — MortgageFi's Matching Engine
Partial fill matching
P2P direct contracts
Multi-fill order blending
The journey
WBTC-USDT
cbBTC-USDC
Marketing Campaign
The Market Opportunity
0.004% tokenized.