Crypto-backed mortgages have emerged as a new trend in the real estate market in India, allowing borrowers to use their cryptocurrency holdings as collateral to secure financing for property purchases. This innovative approach enables individuals to access funds without selling their digital assets, thus retaining ownership and potential benefits from future price increases. There are various types of crypto-backed mortgages available, including purchase mortgages, cash-out refinancing, and bridge loans. These options cater to different financing needs and provide flexibility for borrowers. Lenders typically accept stablecoins like Tether (USDt) and USDC or major cryptocurrencies such as Bitcoin (BTC) and Ethereum (ETH) as collateral. Some lenders may even consider a diversified portfolio of cryptocurrencies for cross-collateralization. With traditional mortgages becoming harder to obtain, especially for younger individuals, crypto-backed mortgages offer an alternative solution to secure real estate investments. Fintech startups in India are addressing this demand by offering adjustable or fixed-rate mortgages secured by substantial cryptocurrency holdings. It is important for borrowers to carefully assess the risks associated with crypto-backed mortgages, considering the volatility of cryptocurrencies and regulatory uncertainties in the market. By understanding the benefits, challenges, and decision-making factors involved in crypto-backed mortgages, borrowers can make informed choices to leverage their digital assets for real estate investments in India.