The Finnies 2026 Winner badge

Excellence in Consumer Lending
2026 FinTech Australia Winner

Case Studies

Growing the Estate with a Crypto-Backed Loan

Traditional banks wouldn’t recognise this customer’s BTC as an asset, limiting the borrower’s ability to finance two homes in Northern Queensland.

Banks Ignore Crypto Wealth — We Don’t

Buying property with crypto is the dream — now it’s a reality. Crypto-backed home loans offer a smarter way to secure bridging finance or deposit funding, especially when banks refuse to acknowledge digital wealth. Whether you're purchasing a primary residence or expanding your investment portfolio, using your crypto as security can fast-track your property goals while keeping your holdings intact.
Here’s how one Block Earner customer used a Crypto-Backed Loan to buy real estate:

The Challenge

Traditional banks wouldn’t recognise users BTC as an asset, limiting the borrower’s ability to finance two homes in Northern Queensland.

Block Earner provided:

  • Bridging capital covering ~50% of the property value

  • BTC used as collateral — no need for fiat deposits or crypto sales

  • No impact on serviceability thanks to overcollateralised loan structure

Call to action component image

Your crypto can do more than sit in a wallet.

Access real-world capital without selling your Bitcoin, Ethereum, XRP or Stablecoins.

Get Started
Arrow

The Outcome

  • Borrower secured two residential properties

  • Maintained full crypto position

  • Flexibility to close the loan at any time using the BTC held as security — no out-of-pocket cost

Why More Aussies Are Choosing Block Earner

Block Earner is the home of Australia’s most accessible crypto-backed loans.
  • Same-day AUD to your bank

  • Maintain crypto exposure, borrow up to $5 million AUD

  • Transparent fees and fixed rates

  • No penalties for paying off early

  • Local support from a team that gets it

“Whether you're building wealth or enjoying it, Block Earner puts your crypto to work — without ever giving it up.”

Ready to unlock the value of your crypto?

Apply Now to get started today or Book a Call with our team.
*Disclaimer: This blog is for informational purposes only and does not constitute financial, legal, or tax advice. The scenarios presented are based on real customer experiences but may not be representative of your own situation. You should not rely on this information to make investment decisions. Always consider your personal circumstances and consult with a qualified professional before taking out a loan or making financial decisions involving cryptocurrency.
Approved applicants only. Terms, conditions, fees and charges apply. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) under Australian Credit License 542689.

You may also like

Additional information

*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) under Australian Credit License 542689. *Capital is not covered by the Australian government deposit guarantee. For more info please see our Terms of Use and FAQs. Winner of 2024 WeMoney Award for Lending Innovation of the Year, 2026 WeMoney Award for Best Crypto-Backed Lending and 2026 FinTech Australia Award for Excellence in Consumer Lending for our Crypto-backed Loans. Winner of 2024 FinTech Australia Excellence in Blockchain/Distributed Ledger, 2024 Digital Economy Council of Australia Financial Services Innovator of the Year, 2025 FinTech Australia Excellence in Web3 (Blockchain or Crypto), 2025 Finder Innovation Awards Most Innovative Team, Tech Innovation and Digital Assets & Web3 Innovation. NB: These awards are for Block Earner's full suite of products and not specifically the Crypto-Backed Loans product.