Get priority access

Get priority access

Launching 2026

We finance your property so you can hodl or buy bitcoin.

A bitcoin collateralised mortgage for non-residents

Supported by:

Lisbon

Cape Town

Future cities coming soon

Launching 2026

We finance your property so you can hodl or buy bitcoin.

A bitcoin collateralised mortgage for non-residents

Supported by:

Lisbon

Cape Town

Future cities coming soon

Learn More

Available in:

Lisbon

Cape Town

Future cities coming soon

Menu

Get priority access

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OUR MORTGAGE

A prēcinct bitcoin mortgage* is a wealth preservation and amplification strategy.

*Available exclusively to non-residents.
No residents of SA buying/owning in SA.
No residents of PT buying/owning in PT.

*Available exclusively to non-residents.
No residents of SA buying/owning in SA.
No residents of PT buying/owning in PT.

*Available exclusively to non-residents. No residents of SA buying/owning in SA. No residents of PT buying/owning in PT.

Acquire

100% mortgage for a new buy

Acquire

100% mortgage for a new buy

Acquire

100% mortgage for a new buy

prēcinct pays the seller the full purchase price in Euros or Rands. You provide 50% of the property value in bitcoin. The bitcoin is held in escrow as collateral for the loan term. We register a mortgage over the property locally.

Acquire

100% mortgage for a new buy

prēcinct pays the seller the full purchase price in Euros or Rands. You provide 50% of the property value in bitcoin. The bitcoin is held in escrow as collateral for the loan term. We register a mortgage over the property locally.

Unlock

100% of your existing property value

Unlock

100% of your existing property value

Unlock

100% of your existing property value

We allocate 50% of your property’s value to buy bitcoin. The bitcoin is held in escrow as collateral for the loan term. We then pay you the 50% balance of your property value in bitcoin, stablecoins, EUR or USD offshore. We register a mortgage over the property locally.

Unlock

100% of your existing property value

We allocate 50% of your property’s value to buy bitcoin. The bitcoin is held in escrow as collateral for the loan term. We then pay you the 50% balance of your property value in bitcoin, stablecoins, EUR or USD offshore. We register a mortgage over the property locally.

PRICING

From 5% Interest Rate

From 5% Interest Rate

From 5% Interest Rate

15% Performance Fee*

15% Performance Fee*

15% Performance Fee*

*Performance fee calculated on BTC collateral value gains from loan start to close of loan.

THE BASICS

No margin calls on your bitcoin loan-to-value, ever

No margin calls on your bitcoin loan-to-value, ever

No rehypothecation of your bitcoin, ever

No rehypothecation of your bitcoin, ever

No bitcoin liquidation in any scenario other than through repayment default

No bitcoin liquidation in any scenario other than through repayment default

Unlock part BTC collateral when LTV increases

Unlock part BTC collateral when LTV increases

First 7 years are interest-only repayments

First 7 years are interest-only repayments

20 year loan term

20 year loan term

No affordability checks

No affordability checks

Refinance option after 7 years

Refinance option after 7 years

No margin calls on your bitcoin loan-to-value, ever

No rehypothecation of your bitcoin, ever

No bitcoin liquidation in any scenario other than through repayment default

Unlock part BTC collateral when LTV increases

First 7 years are interest-only repayments

20 year loan term

No affordability checks

Refinance option after 7 years

CALCULATE

See how a prēcinct mortgage amplifies your wealth

Property Details ?Enter the details of the property you wish to finance or leverage. The currency selection affects how values are displayed and calculated in that currency.

BTC Collateral Required: €500,000 ?50% of the property value must be posted as Bitcoin collateral for the prēcinct mortgage.

Loan Period ?The loan is structured over a fixed 20-year term, with the first 7 years as interest-only payments. From year 8, payments amortise over the remaining 13 years. Adjust the start and close years to simulate different holding periods.

Loan Term: 20 years ?Fixed term for amortisation calculations, but you can model shorter holdings by adjusting the close year.

Bitcoin Details ?Provide Bitcoin assumptions for collateral growth. Collateral is 50% of property value in BTC. Use CAGR for projected growth or a fixed exit price. This impacts gains and the 15% performance fee at settlement.

?Toggle to use projected annual growth (CAGR) for BTC. If unchecked, enter a fixed exit price manually.

Interest Rates ?Set interest rates for comparison. prēcinct rate applies to the full 100% LTV loan; traditional is at 50% LTV. Rates affect total interest paid over the holding period.

Bank LTV (%): 50 (fixed) ?Loan-to-value ratio for traditional mortgage: borrower finances 50% via loan, pays 50% down.

Comparative Wealth Outcomes

BTC CUSTODY

Your bitcoin is held securely by BitGo Certified Custodial Solutions, the world’s most trusted digital asset custodian.

Supported by

Services by

Your bitcoin is secured in a multi-sig, air gapped, cold storage wallet provided by BitGo. prēcinct never touches your bitcoin.

Fully segregated accounts are governed by Account Control Agreements and Custodial Services Agreements. 

SOC1 Type 2 and SOC2  Type 2 Certified 

$250,000,000 insurance policy

Bankruptcy-remote entity 

Real-time visibility into your collateral

Your Bitcoin is never lent, leveraged, or sold. It's held safely and transparently in your dedicated and isolated multi-sig wallet until you pay off your mortgage.

ABOUT

Smarter Property Finance for Bitcoin Holders

We focus exclusively on developing bitcoin backed mortgage solutions for non-resident investors that want to maintain ownership of exceptional properties and the best performing financial asset in history, at the same time.

 

We are bitcoiners and real estate owners so we built a product we want to use. Fair leverage, lean repayment terms and a Performance Fee that ensures we’re aligned on achieving the long term growth potential of bitcoin while you maintain ownership of both assets. 


We didn’t just set out to create a more financially performant way to own property, we also wanted to improve the entire cross border lending experience for non-resident owners/buyers. Because our lending model is offshore and aimed exclusively at non-resident owners/buyers, we are able to approve funding based solely on collateral value.


A prēcinct mortgage is simpler,  smarter property finance.

Get priority access

ABOUT

Smarter Property Finance for Bitcoin Holders

We focus exclusively on developing bitcoin backed mortgage solutions for non-resident investors that want to maintain ownership of exceptional properties and the best performing financial asset in history, at the same time.

 

We are bitcoiners and real estate owners so we built a product we want to use. Fair leverage, lean repayment terms and a Performance Fee that ensures we’re aligned on achieving the long term growth potential of bitcoin while you maintain ownership of both assets. 


We didn’t just set out to create a more financially performant way to own property, we also wanted to improve the entire cross border lending experience for non-resident owners/buyers. Because our lending model is offshore and aimed exclusively at non-resident owners/buyers, we are able to approve funding based solely on collateral value.


A prēcinct mortgage is simpler,  smarter property finance.

Get priority access

ABOUT

Smarter Property Finance for Bitcoin Holders

We focus exclusively on developing bitcoin backed mortgage solutions for non-resident investors that want to maintain ownership of exceptional properties and the best performing financial asset in history, at the same time.

 

We are bitcoiners and real estate owners so we built a product we want to use. Fair leverage, lean repayment terms and a Performance Fee that ensures we’re aligned on achieving the long term growth potential of bitcoin while you maintain ownership of both assets. 


We didn’t just set out to create a more financially performant way to own property, we also wanted to improve the entire cross border lending experience for non-resident owners/buyers. Because our lending model is offshore and aimed exclusively at non-resident owners/buyers, we are able to approve funding based solely on collateral value.


A prēcinct mortgage is simpler,  smarter property finance.

Get priority access

The Genesis Fund

Priority access. Lifetime benefits. Exclusive terms.

Priority access. Lifetime benefits. Exclusive terms.

Priority access. Lifetime benefits. Exclusive terms.

Genesis Fund memberships limited to the first €30,000,000 in mortgages issued post launch.

Member Benefits

Founding members will receive these benefits for life, on every mortgage*

Learn more about how it works

Get priority access

15% lifetime reduction on interest rate

Priority access to new city funds

No admin fees on bitcoin profit unlocks

15% lifetime reduction on bitcoin performance fee

Elite-tier referrer rewards for life

10% rate reduction for any friends referred

Member Benefits

Founding members will receive these benefits for life, on every mortgage*

Learn more about how it works

Get priority access

15% lifetime reduction on interest rate

Priority access to new city funds

No admin fees on bitcoin profit unlocks

15% lifetime reduction on bitcoin performance fee

Elite-tier referrer rewards for life

10% rate reduction for any friends referred

Member Benefits

Founding members will receive these benefits for life, on every mortgage*

Learn more about how it works

Get priority access

15% lifetime reduction on interest rate

Priority access to new city funds

No admin fees on bitcoin profit unlocks

15% lifetime reduction on bitcoin performance fee

Elite-tier referrer rewards for life

10% rate reduction for any friends referred

Join The Genesis Fund

Get priority access

Join Genesis Fund

Available in:

Lisbon

Cape Town

Future cities coming soon

Contact us

Email

WhatsApp

© 2025 Prēcinct. All rights reserved.

Prēcinct Ltd and Prēcinct Genesis Fund SPC are exempted companies incorporated in the Cayman Islands.

Prēcinct Genesis Fund SPC is registered as a Segregated Portfolio Company. Each portfolio is legally separated under Cayman Islands law.

This website is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any securities or financial instruments.

Access to this site may be restricted by law in certain jurisdictions. Persons accessing this site are responsible for complying with applicable laws and regulations.

Terms & Legal

Privacy & Cookies

Risks & Disclosures

Join The Genesis Fund

Get priority access

Join Genesis Fund

Available in:

Lisbon

Cape Town

Future cities coming soon

Contact us

Email

WhatsApp

© 2025 Prēcinct. All rights reserved.

Prēcinct Ltd and Prēcinct Genesis Fund SPC are exempted companies incorporated in the Cayman Islands.

Prēcinct Genesis Fund SPC is registered as a Segregated Portfolio Company. Each portfolio is legally separated under Cayman Islands law.

This website is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any securities or financial instruments.

Access to this site may be restricted by law in certain jurisdictions. Persons accessing this site are responsible for complying with applicable laws and regulations.

Terms & Legal

Privacy & Cookies

Risks & Disclosures

Join The Genesis Fund

Get priority access

Join Genesis Fund

Available in:

Lisbon

Cape Town

Future cities coming soon

Contact us

Email

WhatsApp

© 2025 Prēcinct. All rights reserved.

Prēcinct Ltd and Prēcinct Genesis Fund SPC are exempted companies incorporated in the Cayman Islands.

Prēcinct Genesis Fund SPC is registered as a Segregated Portfolio Company. Each portfolio is legally separated under Cayman Islands law. This website is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any securities or financial instruments. Access to this site may be restricted by law in certain jurisdictions. Persons accessing this site are responsible for complying with applicable laws and regulations.

Terms & Legal

Privacy & Cookies

Risks & Disclosures