Milo

A borrower pledges Bitcoin or Ethereum as collateral through a qualified custodian — either Coinbase or BitGo — and Milo finances up to 100 percent of a home purchase. The crypto is not sold, so the borrower avoids capital-gains tax and retains price exposure. Milo states it does not rehypothecate the collateral, meaning the assets are held idle rather than lent out to generate yield. The firm also offers a self-custody mortgage that avoids margin calls for the duration of the loan term (per Milo website, 2026).

Milo does not publish a leadership page or team roster. The sole named individual surfacing on its website is Colin McMahon, who authors the firm's educational content on crypto mortgages and lending comparisons. Loan operations, business development, and press inquiries route to functional email addresses rather than named executives, consistent with a lean, possibly founder-led organization where public-facing roles are limited.

Milo operates as a regulated US non-bank lender. Its website states the company holds more than ten state-level licenses and undergoes quarterly audits. There is no indication of FDIC insurance or a depository charter, which places it in the specialty-finance category alongside other crypto-credit firms rather than among traditional mortgage banks.

Milo does not publish its full margin-call or liquidation policy in detail on its public website. However, the self-custody mortgage product is explicitly designed to avoid margin calls for the loan term, suggesting that standard crypto-backed mortgages may carry margin-call provisions tied to the loan-to-value ratio. Prospective borrowers should request the firm's collateral-management policy directly, as terms likely vary by product and state regulation.

Milo positions itself as 'the leader in crypto-backed lending' and publishes direct comparison content against Ledn, Strike, and Arch on its website (per Milo, 2026). The key differentiators it emphasizes are the absence of rehypothecation — which collapsed firms like Celsius practiced — and qualified-custody insurance through Coinbase and BitGo. Compared to Arch, which offers crypto-backed SBA loans and private client services, Milo appears more narrowly focused on mortgage and consumer-cash-loan products for digital-asset holders.

Milo is purely a lending platform; it does not advertise any investment products, yield accounts, or exchange services. The firm originates crypto-backed mortgages and cash loans, earning revenue through interest and fees rather than asset management or trading. That narrow mandate distinguishes it from crypto platforms that commingle lending, custody, and proprietary trading under one roof.

Milo states it holds ten-plus US state licenses but does not publish the full list online. Its physical headquarters is in Miami, Florida, and its phone number carries a US country code. Borrowers from states where Milo is not licensed would not qualify for its mortgage products, though the cash-loan product's geographic availability is not specified publicly.