Do crypto funds need to be seasoned for a mortgage?
No — sourced crypto funds don't require a seasoning period.
No — sourced crypto funds don't require a seasoning period. Seasoning (typically 60 days, sometimes 90) applies to funds whose origin can't be documented. Crypto that comes with proof of ownership, a papered conversion to USD, and a traceable path to escrow meets the underlying requirement — sourcing — directly.
When seasoning does apply
Three honest exceptions. You already cashed out informally, moved the money through personal accounts, and kept no records — reconstructing that trail may be harder than waiting out two statement cycles. Your documentation has gaps — funds that touched a wallet you can't prove you control get treated like an unexplained deposit. Or your lender won't take documentation, period — the answer there is a different lender, not a different rule. The pattern in all three: seasoning is what happens when the paper trail fails.
How to keep the trail intact
Don't convert early and informally. Verify ownership first, convert once, wire once. RealOpen's flow does exactly this — verification up front, conversion at closing, direct wire to escrow — which is why the source-of-funds file it produces is cleaner than most all-cash buyers can manage.