Oct 07

Crypto Meets Real Estate: How REALTORS® Can Protect Their Clients

Bitcoin might buy a cup of coffee, a car—or potentially a house. But when cryptocurrency enters a real estate transaction, REALTORS® need to make sure the deal doesn’t become more complicated than the technology behind it.

Crypto transactions remain less common than traditional financing, but they can create some very real challenges for buyers, sellers and their agents. Unlike cash sitting safely in a bank account, cryptocurrency can swing dramatically in value. That creates an important question: What happens if the buyer has enough crypto today, but its value drops before closing?

For sellers, one way to reduce that uncertainty is to request proof that the buyer has sufficient funds or provide documentation showing they could complete the purchase without relying entirely on cryptocurrency. A larger earnest-money deposit may also provide additional reassurance.

Buyers have their own concerns. Converting cryptocurrency into traditional currency can take time, potentially creating delays when funds need to be available for settlement. One way to make the transaction smoother is to convert crypto to cash before making an offer or entering into a contract, when practical.

And this is one transaction where an agent shouldn’t try to be the expert on everything. REALTORS® should encourage clients to work with banks, lenders, attorneys and title companies that understand cryptocurrency and real estate transactions. Those professionals can help address questions involving funding, taxes, title, contracts and closing requirements.

The biggest takeaway for REALTORS®? Don’t let the excitement of a high-tech transaction overshadow the basics of protecting your client. Cryptocurrency may be digital, but the risks surrounding a real estate purchase are very real.

As crypto continues to evolve in 2026, REALTORS® who understand the potential complications—and know when to bring in qualified professionals—can help keep these transactions secure, organized and moving toward the closing table.

Source: REALTOR® Magazine
“How to Protect Your Clients in a Crypto Transaction”
National Association of REALTORS®

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