Florida real estate
Two structures that let qualified buyers fund Florida real estate purchases against their Bitcoin holdings, designed to defer the taxable sale that a direct liquidation would trigger. Built for developers who want straightforward fiat closings and buyers who want to keep their Bitcoin.
Both structures keep the buyer's Bitcoin out of an immediate sale. They differ in whether the developer ever interacts with Bitcoin at all.
Developer never touches Bitcoin. Closing process is identical to a normal cash close.
Developer accepts BTC as supplemental collateral above the statutory escrow; BTC sits in a controlled multisig vault until closing.
A buyer who acquired Bitcoin years ago can use its present-day value without realizing the long-term capital gain a direct sale would trigger. Not tax advice; every buyer should consult their CPA.
The BTC-to-BTC loan structure on Route 1 was designed to remove the forced-sale dynamics that have failed other crypto-backed lending products.
On Route 1, the developer receives fiat into escrow exactly like any other transaction. No new compliance burden. No Bitcoin custody. No new risk.
The multisig structure on Route 2 is deal-specific — it secures the Bitcoin pledged as supplemental collateral on a single transaction, governed by a separate security agreement, with the developer’s designated representative as the third key holder.
Most buyers also engage The Bitcoin Adviser separately, for the rest of their Bitcoin holdings — the part that’s not pledged to any specific deal. That’s a different multisig under TBA’s standard collaborative-custody framework: client holds one key, TBA holds one, and a third party of the client’s choice holds the third — typically a wallet provider like Unchained Capital or Theya, though clients can also choose an attorney, an independent trustee, or a family member if a more sovereign architecture fits their situation.
This broader engagement is where the rest of the TBA service lives: family education, inheritance protocol design, recovery planning, and ongoing custody operations. The deal is a moment; the relationship is a practice.
The two structures are independent — different multisigs, different agreements, different third-party key holders — but they typically run in parallel for any buyer who’s in a meaningful real estate transaction with meaningful underlying Bitcoin holdings.
Florida luxury developers who want to open the buyer pool to Bitcoin holders without taking on crypto custody, price exposure, or new compliance work. I'll send a one-page execution playbook tailored to your project — escrow flow, the questions buyers will ask, closing instructions.
Request the developer briefBuyers with meaningful Bitcoin who want to use it on a Florida property purchase without forcing a taxable sale. The first 30 minutes is a no-cost discovery call to walk through whether either route fits your situation, what it would cost, and what comes next.
Book a buyer consultationBitcoin-backed real estate finance is no longer theoretical. Several platforms are moving into this space — People’s Reserve, Better with Coinbase (now Fannie Mae conforming), Milo, ByteFederal for direct conversion, and Unchained for collaborative custody and Bitcoin-backed credit. That tells you Bitcoin holders genuinely want real estate liquidity. The question isn’t whether the demand exists.
The question is which structure fits a specific situation. Some buyers want a mainstream conforming mortgage; some want a full Bitcoin mortgage product; some just want to convert at closing. This practice is built for a narrower case: Florida pre-construction transactions where the buyer wants clean dollars into statutory escrow, no Bitcoin custody on the developer’s side, and a collaborative-custody arrangement for their own holdings that stays intact through and after the deal.
If a different structure fits better, I’ll tell you. The goal here is the right answer for the situation, not the only answer.
I'm an adviser at The Bitcoin Adviser — my profile is at bitcoinsovereign.academy/dalia — and at Loan My Coins, which is part of TBA's family of services. I'm based in South Florida. My background is technical, not legal — I help clients design custody, recovery, and inheritance structures that hold up under real conditions. I've spent six years in Bitcoin education: I authored the curriculum for Mi Primer Bitcoin's Latin American financial-literacy program, and I run Bitcoin Sovereign Academy under The Sovereign Academy umbrella. The work I do for individual clients tends to start with the same question: "How do we use this without losing it?"
For real estate transactions specifically, I'm the advisory layer inside the Loan My Coins and collaborative-custody process — not an outside consultant. I coordinate the moving parts so the buyer, developer, broker, and closing team aren't each trying to solve a different piece of the same transaction in isolation. The legal work stays with your attorney. The closing stays with your title company. Everything between the buyer's first question and the wire into escrow is what I run.
— Dalia, founder, The Sovereign Academy
If you're a developer, we'll talk through a specific transaction you'd want to pilot. If you're a buyer, we'll talk through whether either route fits your situation.
Pick a timeEducational and informational only. Nothing on this page is financial, legal, or tax advice. Bitcoin involves risk. Custody choices involve trade-offs. Every buyer should consult their CPA, attorney, and qualified financial advisor before relying on any structure described here for a specific transaction.
Loan My Coins and The Bitcoin Adviser are independent services with their own terms, fees, and risk disclosures. The collaborative-custody structure on Route 2 will require separate legal documentation drafted by qualified Florida real-estate-and-crypto counsel before any specific transaction.