Crypto to closingtable

Yes — but almost every closing still settles in dollars at the title company. The purchase is denominated in USD, your digital assets convert on a schedule you control, and the wire reaches escrow from a bank account in your name. A seller-to-buyer transfer of coin does happen, and we will structure it when both sides want it, but it is the exception and it slows title, not speeds it.

Three things, consistently: a bank account in the buyer's own name that the wire originates from, exchange or custodian statements showing where the funds came from, and a source-of-funds narrative that ties the two together. Title agents and their underwriters answer to anti-money-laundering rules, so an unexplained six-figure wire is a delay whether or not crypto was involved. We assemble that packet before the offer, not after the contract.

Usually tranches tied to contract milestones rather than to a price target: enough for the deposit before you go under contract, the balance sequenced to hit escrow days ahead of closing. That protects the deposit from a volatile week and keeps you off the exchange's daily withdrawal limits, which is the failure nobody plans for.

Selling or exchanging digital assets is a taxable disposition in the United States, and buying a home is not a like-kind exchange — 1031 treatment has applied only to real property since 2018. The size and timing of that bill often decides which lots you sell and in which tax year, so we plan the conversion with your CPA before an offer goes out. We are not tax advisors and we will not pretend otherwise.

Often, yes. Lenders generally will not count coin held on an exchange as a reserve, but they will count the dollars once converted and seasoned in a bank account — typically 60 days of statements. If you would rather not sell into a down market, we sequence a smaller conversion for the down payment and let the loan carry the rest.

Converted dollars sit with the title company's escrow agent under Florida escrow rules, not with us and not with a platform. You should never be asked to send crypto to a wallet address that appears mid-transaction — wire fraud in real estate is overwhelmingly a last-minute instruction change, and that risk goes up, not down, when digital assets are in the story. Every instruction gets verified by voice on a number we already had.

Real, growing, and mostly not the thing people think it is. Institutions are tokenizing funds and credit; retail platforms sell fractional shares of rental homes through LLC interests rather than deeds. We track it closely and wrote a full explainer rather than a slogan.