Which cryptocurrencies you can use to buy real estate

Not every token is equally practical for a real estate purchase. The assets that work best are the ones with deep liquidity and stable, well-understood markets — because at closing your crypto has to convert cleanly into the dollars that fund the deal. Here's how to think about it.

The assets that work well

• Bitcoin (BTC) and Ethereum (ETH): The most liquid crypto assets, accepted broadly for conversion. Their value moves with the market, which is accounted for with a buffer (below).
• Major stablecoins (USDC, USDT): Pegged to the dollar, so their value is steady. This makes them the most predictable to verify and convert, with only a minimal buffer.
• Other large-cap assets: Often usable depending on liquidity and network support.

The deciding factors are liquidity (can it convert at scale without moving the price?) and network support (can the transfer be sent and verified reliably?).

How asset type affects your buying power

Verified amounts include a conservative buffer to absorb price movement between when your funds are verified and when you close.

• Stablecoins carry only a minimal buffer, since their value barely moves.
• Volatile assets like BTC and ETH carry a larger buffer, so the verified figure stays credible even if the market dips before closing.

The practical takeaway: if you hold a mix, stablecoins translate to buying power most efficiently, while volatile holdings are verified at a slightly more conservative figure to protect the integrity of your proof-of-funds letter.

Which network to send on

Many assets exist on multiple chains — USDC, for example, lives on several. Always confirm the supported network before sending, and use that same network end to end. Sending on the wrong chain is the most common and most avoidable mistake.