{"id":7949,"date":"2026-08-28T16:13:20","date_gmt":"2026-08-28T16:13:20","guid":{"rendered":"https:\/\/elfinancierodigital.com\/inicio\/?p=7949"},"modified":"2026-08-28T16:13:20","modified_gmt":"2026-08-28T16:13:20","slug":"coinbase-lleva-bitcoin-al-mercado-hipotecario-de-ee-uu","status":"publish","type":"post","link":"http:\/\/elfinancierodigital.com\/inicio\/coinbase-lleva-bitcoin-al-mercado-hipotecario-de-ee-uu\/","title":{"rendered":"Coinbase lleva Bitcoin al mercado hipotecario de EE.UU."},"content":{"rendered":"<p data-start=\"12010\" data-end=\"12409\">Bitcoin comenz\u00f3 a ingresar en un territorio hasta ahora reservado casi exclusivamente al sistema financiero tradicional: el mercado hipotecario. Coinbase y Better Mortgage ampliaron la disponibilidad de una hipoteca que permite a determinados clientes utilizar Bitcoin como garant\u00eda para financiar el pago inicial de una vivienda sin vender sus criptomonedas.<\/p>\n<p data-start=\"12411\" data-end=\"12829\">El mecanismo combina dos pr\u00e9stamos. Por un lado existe una hipoteca convencional respaldada por Fannie Mae y, por otro, un pr\u00e9stamo destinado al pago inicial que est\u00e1 garantizado con Bitcoin. De esta manera, el comprador puede mantener su exposici\u00f3n al activo digital mientras utiliza su patrimonio cripto para cubrir una parte del desembolso necesario para comprar la vivienda.<\/p>\n<p data-start=\"12831\" data-end=\"13236\">Better Mortgage establece que el Bitcoin utilizado como garant\u00eda debe tener un valor equivalente a por lo menos 250% del monto del pr\u00e9stamo destinado al pago inicial. El activo queda bajo custodia en Coinbase Prime hasta que el pr\u00e9stamo sea cancelado o refinanciado. Una vez cumplidas las obligaciones, el Bitcoin puede ser liberado seg\u00fan los t\u00e9rminos del contrato.<\/p>\n<p data-start=\"13238\" data-end=\"13664\">La iniciativa apunta especialmente a un problema que afecta a determinados propietarios de criptomonedas: tener un patrimonio elevado pero poca liquidez en efectivo. En ese escenario, vender Bitcoin para reunir el anticipo de una vivienda puede significar perder exposici\u00f3n a una eventual suba y generar consecuencias fiscales. La alternativa permite utilizar el activo como garant\u00eda sin convertirlo inmediatamente en d\u00f3lares.<\/p>\n<p data-start=\"13666\" data-end=\"14153\">La expansi\u00f3n del producto es significativa porque acerca dos mercados que hasta ahora funcionaban de manera bastante separada. El mercado inmobiliario necesita garant\u00edas relativamente estables y reglas de cr\u00e9dito estrictas, mientras que Bitcoin contin\u00faa siendo un activo de alta volatilidad. El \u00e9xito del modelo depender\u00e1 de la capacidad de las entidades para administrar esa volatilidad y de la disposici\u00f3n de los compradores a asumir el riesgo de utilizar criptomonedas como colateral.<\/p>\n<p data-start=\"14155\" data-end=\"14283\">Fuentes:<br \/>\n<span class=\"contents\" data-content-reference-start=\"14230\" data-content-reference-end=\"14291\"><span class=\"\" data-state=\"closed\"><a class=\"decorated-link\" href=\"https:\/\/better.com\/crypto-backed-mortgages?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Better Mortgage \u2013 Crypto-backed mortgages<\/a><\/span><\/span><br \/>\n<span class=\"contents\" data-content-reference-start=\"14292\" data-content-reference-end=\"14346\"><span class=\"\" data-state=\"closed\"><a class=\"decorated-link\" href=\"https:\/\/help.coinbase.com\/en\/coinbase\/mortgages\/crypto-backed-mortgages?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Coinbase \u2013 Crypto-backed mortgages<\/a><\/span><\/span><br \/>\n<span class=\"contents\" data-content-reference-start=\"14347\" data-content-reference-end=\"14441\"><span class=\"\" data-state=\"closed\"><a class=\"decorated-link\" href=\"https:\/\/www.theblock.co\/news\/business\/2026-08-26-coinbase-better-make-token-backed-mortgages-generally-available-412810?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">The Block \u2013 Coinbase y Better ampl\u00edan las hipotecas respaldadas por tokens<\/a><\/span><\/span><\/p>\n<p data-start=\"14286\" data-end=\"14292\">NOTA 7<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bitcoin comenz\u00f3 a ingresar en un territorio hasta ahora reservado casi exclusivamente al sistema financiero tradicional: el mercado hipotecario. Coinbase y Better Mortgage ampliaron la disponibilidad de una hipoteca que permite a determinados clientes utilizar Bitcoin como garant\u00eda para financiar el pago inicial de una vivienda sin vender sus criptomonedas. El mecanismo combina dos pr\u00e9stamos. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[551],"tags":[28],"class_list":["post-7949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-mundocripto"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Coinbase lleva Bitcoin al mercado hipotecario de EE.UU. - elfinancierodigital<\/title>\n<meta name=\"description\" content=\"Coinbase lleva Bitcoin al mercado hipotecario de EE.UU.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elfinancierodigital.com\/inicio\/coinbase-lleva-bitcoin-al-mercado-hipotecario-de-ee-uu\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coinbase lleva Bitcoin al mercado hipotecario de EE.UU. - 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