Buying & Selling Homes With Crypto: What Today’s Buyers & Sellers Need To Know with Propy

 

 


Crypto isn’t just for traders anymore. In our latest chat with Propy Title & Escrow, we dug into how real people are using digital assets to put earnest money down, fund closings, and even receive sale proceeds—without turning the process into a tech headache. Below is a practical guide for home buyers and sellers who want speed, security, and options.

The 30,000-Foot View 

Propy Title & Escrow is a licensed title/escrow company that can handle traditional deals and crypto-involved transactions. They process payments and record deeds on-chain (in addition to the normal county record), which gives you real-time transparency and a tamper-evident backup. 

Why that matters: If you ever needed to prove ownership after a records issue or dispute, a blockchain record can provide an extra evidentiary trail alongside the county record. (Courts increasingly analyze blockchain records as evidence, subject to standard rules.) Frontiers

Watch this episode on YouTube:  https://youtu.be/u64HjVh3tbE

Click here to view or listen on your favorite podcast platform:  https://www.betweentwodoors.com/episodes/

For Buyers: “How does crypto escrow actually work?”

Step 1 — KYC. Propy runs a Know Your Customer (KYC) check so the professionals in your deal know they’re working with a legitimate, funded buyer. (Agents: just ask, “Which coin?” and send the buyer to Propy’s KYC.)
Step 2 — Hold in crypto (often stablecoin). To reduce volatility and avoid early exchange fees/taxable events, funds can sit in stablecoin during escrow and convert to USD at funding. Stablecoins are designed to track the U.S. dollar and can move fast—especially for cross-border transfers. McKinsey & Company
Step 3 — Close & convert. On funding day, Propy converts to USD and disburses per your closing statement.

How fast is funding? In practice, Propy’s team said they often convert and fund same day—in hours—versus days or weeks when buyers must liquidate assets and season funds through traditional rails (or wire money internationally). That speed advantage aligns with broader research on stablecoin payments being faster/cheaper than legacy cross-border rails. McKinsey & Company

Taxes: The Big Question Everyone Asks

In the U.S., the IRS treats digital assets as property, not currency. Using crypto to buy a home (i.e., selling or exchanging crypto) can be a taxable event—which is why many buyers prefer to keep assets in crypto until funding or explore crypto-backed loans to avoid recognition of gains. Always involve a qualified CPA. IRS+1

Which Coins Work?

Pro tip from the show: agents don’t have to be coin experts—just ask, “Which token do you plan to use?” Then sanity-check that it’s a mainstream asset (e.g., check the top coins list on CoinMarketCap). Stablecoins (USD-pegged) are popular for reducing volatility risk before funding. CoinMarketCap

Hybrid Deals (Crypto + Mortgage)

Yes, buyers can mix approaches: use crypto for EMD (earnest money) or part of the purchase and finance the rest traditionally. Not every lender is crypto-savvy, so pick partners who are comfortable reading wallet statements and on-chain proofs. Propy often coordinates with lenders and can help educate teams on documentation.

For Sellers: “Should I accept crypto?”

You don’t have to touch crypto to sell to a crypto buyer—Propy can convert buyer funds and pay you in USD like any other sale.
Marketing upside: Positioning a listing as “crypto-friendly” can unlock a huge pool of potential buyers—major U.S. exchanges report 100M+ verified users globally (figures vary by source and definition). That’s a lot of eyeballs other listings may not be targeting. DemandSage

Want crypto proceeds? You can receive part in USD and part in crypto (subject to fees/taxes/your risk tolerance). Note that closing fees, commissions, and taxes typically require some USD disbursement.

Security & Fraud Prevention (Why the extra ledger helps)

  • County record + blockchain mirror. You still get a normal county recording, but you also get a secondary on-chain record for added, tamper-evident proof paths. Propy

  • KYC/AML. Propy’s KYC filters out bad actors and confirms the buyer is who they say they are—helping agents and sellers feel confident before accepting crypto-sourced funds.

Quick Checklists

Buyer Checklist (Crypto)

  • ✅ Decide: pay in crypto (stablecoin preferred), use a crypto-backed loan, or do a hybrid with mortgage financing.

  • ✅ Complete Propy KYC early.

  • ✅ Loop in a crypto-friendly lender (if financing).

  • ✅ Talk to your CPA about gains, basis tracking, and reporting. IRS

  • ✅ Confirm RON logistics and your signing plan (travelers, take note). National Notary Association

Seller Checklist

  • ✅ Tell your agent you’re crypto-friendly (even if you want USD at closing).

  • ✅ Decide how you want proceeds: USD only, or part in crypto.

  • ✅ Keep standard timelines—crypto deals can fund same day once ready, but coordinate early to avoid surprises. McKinsey & Company

FAQs We Covered On-Air

Is this “either/or”—traditional vs blockchain?
No. You get a traditional county record and a blockchain record as a complementary layer. Propy

What about volatility?
Escrow can hold stablecoins and convert at funding; for volatile assets (BTC, SOL, etc.), structures like buffers or margin calls can protect the seller’s USD value. McKinsey & Company

Can international buyers use this?
Yes—stablecoins can reduce time and cost versus traditional cross-border wires, subject to local rules. McKinsey & Company

Will my accountant freak out?
Possibly (kidding!). But do loop them in. U.S. tax law treats digital assets as property—transactions can be taxable. IRS

Where This Is Headed

Expect more adoption, smoother lender workflows, and broader agent education (including CE courses) around blockchain and crypto in real estate. Propy has been building in this lane for years and continues to push on speed, security, and transparency for mainstream consumers—not just early adopters. Propy

Call Me If You’re Crypto-Curious

If you’re a buyer or seller who wants to leverage crypto smartly—and safely—I can quarterback the team (agent, Propy escrow, lender, and CPA) so you get the benefits without the headaches.

About Between Two Doors

Between Two Doors is a podcast where I talk with Realtors about their journey, aiming to connect home buyers and sellers with agents on a more personal level. I ask "right brain" questions that go beyond transactions, focusing on the experiences, values, and passions that make these professionals great at what they do.

Listen to more episodes at: https://www.betweentwodoors.com

Sponsored by:
Premier Lending, Inc.
https://www.natecarver.com

NMLS Numbers:
NMLS: 2004738
Licensed by the Department of Financial Protection and Innovation (DFPI). Equal Housing Opportunity.
https://www.nmlsconsumeraccess.com

📞 Contact: 972-832-5761

Follow Us on Social Media:
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