Arch acquires mortgage platform Horizon, crypto assets can be used as home purchase collateral

Bitcoin-native protocol Arch has acquired U.S. housing finance platform Horizon for an undisclosed sum, integrating HELOC-style lending that lets buyers use crypto as collateral to fund a home purchase without selling their holdings first. Horizon's products convert home equity into bitcoin exposure, emphasizing no monthly payments, retained ownership, no term limits and no income thresholds, while Arch Prime—Arch's on-chain bank account for holding native bitcoin, earning yield, borrowing against a portfolio and trading—will host the credit offering once integration is complete. The deal targets the tax hit and forgone upside that come from liquidating crypto for a down payment, letting holders keep asset exposure while buying property. Neither the launch date nor the eligible regions for the combined product have been announced, making rollout timing and geographic scope the next things to watch.