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SYDNEY, 27 August, 2025 — The Monochrome Bitcoin ETF (IBTC) has been incorporated into a Top 4 Australian bank’s residential mortgage lending framework. IBTC is now recognised alongside traditional assets such as unencumbered property and income streams when assessing high-net-worth (HNW) investors for home loans. This development connects regulated Bitcoin ETFs with private banking services, enabling Bitcoin holders to access property financing without liquidating their exposure.
This new lending framework will allow HNW investors to borrow against their IBTC holdings – with up to 60% loan-to-value for real estate acquisitions*.
Targeted for Significant Bitcoin Holders
This framework supports HNW investors who hold significant IBTC positions within diversified portfolios to leverage their IBTC to purchase residential property, without liquidating their Bitcoin. It addresses a critical market gap, giving these investors access to premium real estate financing while preserving strategic digital asset exposure.
Unlocking Liquidity Without Selling Bitcoin
IBTC’s unique two-way in-kind facility enables Bitcoin holders to transfer their assets directly into the ETF. This provides access to capital for real estate acquisitions without the need to liquidate Bitcoin holdings, preserving long-term positioning and avoiding conversion frictions.
Strategic Use of Borrowed Capital
Loans can be applied toward:
- Residential and commercial property portfolio expansion and diversification
- Estate and wealth planning initiatives
- Strategic allocation across alternative assets
The integration of IBTC into private banking lending frameworks gives Bitcoin holders the ability to unlock liquidity for major investments, while maintaining regulated exposure through Australia’s only ETF with a two-way in-kind transfer facility.
About Monochrome
Monochrome Asset Management is Australia’s leading specialist digital asset manager, offering institutional-grade access to Bitcoin and Ethereum via exchange-traded funds. All Monochrome ETFs feature the world’s first and only two-way in-kind facility, allowing investors to move digital assets directly into or out of the fund.
To enquire about this exclusive lending solution, please contact Monochrome Asset Management at info@monochrome.co or send an enquiry through our website.
*Loans are subject to approval, terms and conditions, including wholesale/sophisticated investor eligibility. Lending available up to 60% of IBTC holdings for real estate acquisitions.
Monochrome Asset Management
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