Does the seller need to accept crypto?

No. RealOpen converts the crypto you send and wires dollars to escrow. The seller, the listing agent and the title company see a standard contract and a standard wire, and they never touch cryptocurrency.

Can I use RealOpen with a traditional mortgage?

Yes. Your lender issues the loan; RealOpen documents your crypto and funds the down payment. The RealScore™ Report documents assets you keep unconverted for the lender’s review, and the Transaction Record documents the down payment you convert and wire. RealOpen has closed mortgage-financed purchases across multiple lenders on this basis. Acceptance, eligible assets, custody requirements, valuation, documentation and timing depend on the lender and the loan program, and so does the funding route: some programs accept a documented wire from RealOpen to escrow, while others, including conforming loans under Fannie Mae’s virtual-currency rule, require the converted dollars to be held in your own regulated bank account and verified before closing. A Proof of Funds letter is not required to make a financed offer; your lender’s preapproval is. RealOpen is not a mortgage lender and does not offer crypto-backed loans.

What is the difference between Proof of Funds, the RealScore™ Report and the Transaction Record?

Proof of Funds documents verified crypto buying power to support an offer. The RealScore™ Report documents verified assets for lender review: ownership, holdings and available balance history. The Transaction Record documents one funding payment after it happens: the source-wallet transfers, the conversion and the outbound wire to escrow. None of them is a mortgage preapproval, a loan commitment, a hold on funds or a guarantee of future value.

When do I convert and send the funds?

Only when a payment is due. From the deal page you set the amount to escrow and the timing, then request a settlement quote. RealOpen’s desk prices it from a live OTC rate, and the quote appears with the exact crypto amount, rate, fee, dollar proceeds and expiry. The rate is locked for 10 minutes from delivery, so you send exactly that amount from your verified wallet inside that window. The quote covers that payment only, not the rest of your holdings.

Can I make multiple payments for one purchase?

Yes. A deal can hold several payments, and each one is quoted, sent and tracked separately with its own Transaction Record. A payment can be a down payment, a part of an outright purchase, or the balance due; it does not have to be the full purchase price.

How RealOpen Works

Q: Do I have to move my crypto just to verify it?

Usually not. Where the chain and address type support it, you prove ownership by signing a message in your wallet, which moves nothing. Otherwise you send a small verification transfer of an exact amount to the address RealOpen gives you. Either way, your holdings stay in your wallet; RealOpen only reads the public balance and never asks for private keys or recovery phrases.

From your crypto wallet to closing. Verify your assets, document your funds, and pay for real estate with crypto — directly from self-custody.

Get started

Questions? Read the FAQ

Step 1

Create your account

Sign up with email, Apple, or Google, then verify your identity using a government-issued ID and selfie. Verification connects your account to the Proof of Funds and RealScore™ documents you’ll generate later.

Already have an account? Sign in. The checklist version is on the get-started page.

Step 2

Add your wallets and verify ownership

Paste the public address of a wallet you control. RealOpen scans it read-only and shows the supported assets it holds. It never asks for private keys or recovery phrases.

RealOpen "Add a wallet" panel: a Wallet address field, an "Add & scan wallet" button, the note "Read-only. We never ask for keys or seed phrases", and accepted networks including Ethereum, Polygon, BNB Chain, Base, Arbitrum and Tron — Adding a wallet is a read-only scan of a public address.

Adding an address is not the same as verifying it. A scan shows what an address holds; verification proves the address is yours. Depending on the chain and address type, you either sign a message in your wallet, which moves nothing, or send a small verification transfer of an exact amount to the address RealOpen gives you. Only verified wallets count toward Proof of Funds or appear in a RealScore™ Report. Exchange deposit addresses cannot be verified, because the exchange holds the keys; if your crypto is on an exchange, contact RealOpen before submitting a wallet and we coordinate verification and funding.

More details: How Wallet Verification Works, When to Sign a Message vs. Send a Small Transfer

RealOpen wallets dashboard showing a BTC wallet and a TRX wallet, each marked "Verified · Transaction", with the full wallet address, the amount detected at the address and the amount eligible for Proof of Funds — Verified wallets: what RealOpen detected at each address and how much of it is eligible for Proof of Funds.

Step 3

Prepare your purchase documents

Once your identity and at least one wallet are verified, two documents are available from your dashboard. Use the one your purchase calls for, or both. Neither is a preapproval, a hold on funds or a guarantee of value, and generating one does not move, convert or reserve any crypto.

Proof of Funds

Documents verified crypto buying power to support an offer. Generate a letter for any amount up to your max verified amount; it states the verified balance in dollars and carries an ID a listing agent can check at realopen.com/verify. See what a crypto Proof of Funds covers.

RealScore™ Report

Documents verified assets for lender review: your verified identity, each verified wallet and how ownership was proven, current holdings, and weekly balance history reconstructed from the chain. Assembling it can take up to a minute. Read more about the RealScore™ Report.

RealOpen Proof of Funds page showing a max verified amount of $449,750.00 across 2 verified wallets and a "Generate a Proof of Funds Letter" button — The Proof of Funds page: your max verified amount across verified wallets, and the button that generates the letter.

RealScore™ Report

The verified-wallet page is what a reviewer reads first: how ownership was proven and when, what the wallet holds today, and the weekly balances behind it. Later pages add combined balances, buying power by horizon, attestations and transaction history.

View sample RealScore Report (PDF)

Step 4

Set up and manage your deal

A deal is the workspace for one purchase: the property and price, your target closing date and the assets you intend to fund with, contract documents, and the escrow company’s wire instructions, which RealOpen’s team verifies by phone and locks before any payment can be quoted. Create it when you are under contract, or earlier to organize as you go; verification and documents do not wait for it.

Your agent, your lender, the title company and the escrow provider run the transaction as usual. RealOpen handles the crypto-to-dollar funding and the paper trail. For the settlement side, see what happens at closing with escrow and title.

RealOpen deal page: a "Payments to Escrow" section listing a $150,000 payment marked "Awaiting your BTC" and a $200,000 payment marked "Wire sent to escrow · Oct 17", a "Schedule a payment" button, and collapsed sections for Basic Info (Complete), Contract Documents (2 uploaded), Escrow Info and Wire Instructions (both Verified & Locked) — A deal page: payments to escrow, each priced and tracked separately, above the deal's basic info, contract documents, escrow information and wire instructions.

Step 5

Request your quote and send crypto

Funding happens one payment at a time, from the deal page, for the amount due to escrow: a down payment, or all or part of an outright purchase. Set the amount and timing, then request a settlement quote. RealOpen’s desk prices it from a live OTC rate, and it appears on the page the moment it is delivered.

The quote shows the exact crypto amount to send, the rate, the fee, the dollar proceeds to escrow and when it expires. The rate is locked for 10 minutes from delivery: send exactly that amount from your verified wallet to the deposit address shown, inside the window, then tap Accept. The lock covers that payment only. If a transfer confirms after the quote expires, RealOpen’s team reviews it and works out any difference with you.

More details: How Crypto Funding Works, How Long Crypto Transfers Take to Confirm

RealOpen settlement quote: "Quote expires in 9:30", "Send exactly 2.02598942 BTC" with a copy button, the $175,000.00 amount to escrow, the 1% crypto fee, the BTC/USD rate, the total to send, the note "Escrow will receive exactly $175,000.00", and a QR code for the deposit address — A delivered quote: the exact amount to send, the amount to escrow, the fee, the rate, what escrow receives, and the countdown on the locked rate.

Step 6

Track funding and access your Transaction Record

Each payment’s status updates live on the deal page: pricing your quote, quote ready, awaiting your crypto, received and confirming, received, wire sent to escrow. RealOpen converts the crypto and wires the dollars to escrow. A deal can hold several payments, each quoted, sent and tracked separately.

When the wire goes out, a Transaction Record is posted to the deal: the source-of-funds paper trail lenders and closing agents ask for. “Wire sent” means the dollars left for escrow; your closing agent confirms receipt, and the purchase closes on the contract’s terms.

Transaction Record

One record per payment: the conversion, every on-chain transfer matched to your verified wallet and to RealOpen’s intake address, and the outbound wire to escrow. Once finalized, the record carries a content hash and cannot change. Banking details are redacted in this sample.

View sample Transaction Record (PDF)

Using crypto for a mortgage down payment?

RealOpen helps document your crypto assets, conversion, and funding for a traditional mortgage. Your lender determines its documentation and funding requirements.

The crypto down payment guide Crypto and mortgages: the full map

RealOpen is not a mortgage lender and does not offer crypto-backed loans. A dollar wire for the down payment does not turn a financed purchase into a cash purchase; your contract and contingencies follow the financing.

Start with verification. Find the property later.

Create your account, verify your identity and a wallet, and your Proof of Funds or RealScore™ Report is ready before you make an offer. Buying outright or financing, the first three steps are the same.

Get started

Talk to RealOpen

More information: Crypto Proof of Funds, The RealScore™ Report, Crypto Down Payment With a Mortgage, How Crypto Funding Works, Common Questions