Research exposes 74-point 'collateral gap' in Bitcoin lending

New research commissioned by Ledn reveals a stark adoption gap in Bitcoin-backed borrowing despite the first crypto-collateral mortgage closing days earlier. While over 88% of holders in the U.S. and Australia say they would borrow against coins, only 14% actually do so, citing volatility and regulatory uncertainty. The June 16 launch of Better Home & Finance’s Fannie Mae-backed product with Coinbase demonstrated early integration, yet the $73.6 billion crypto-lending market remains constrained by trust barriers. Ledn’s $10 billion in originations since 2018 underscore the potential if infrastructure improves.