Buying Real Estate with Crypto: Countries Accepting Bitcoin and USDT

Where and how to buy real estate with cryptocurrency in 2025

November 11, 2024

In this article, we explore countries where you can purchase real estate with cryptocurrency and the specific transaction conditions and requirements.

Traditional overseas real estate transactions often take weeks or even months. In contrast, cryptocurrencies enable a much faster process, avoiding the delays usually associated with bank transactions involving fiat currencies.

Many view cryptocurrency as inherently risky and unstable. However, crypto has evolved into a reliable alternative to traditional currencies. Stablecoins like USDT eliminate exchange rate volatility and price risks, as their value is tied to fiat currencies. 1tab allows you to buy USDT with fiat funds in over 40 countries, facilitating real estate purchases with crypto. You only need to launch our Telegram bot and specify transfer details. Contact us if you have any questions.

How to buy a house with cryptocurrency

One can pay for a house with crypto in three ways:

Direct cryptocurrency transfer between buyer and seller — you send the seller payment in cryptocurrency.
Mortgage funding with crypto as collateral — the crypto is utilized as collateral to secure the funding.
Converting cryptocurrency to cash — the cryptocurrency is converted to fiat to fund property purchases.

Each of these options may have some pros and cons. Below is an overview of these payment options and what you need to know to buy real estate with crypto.

Classical Direct Transfer

This way, the seller receives cryptocurrency they agreed to accept in payment from the buyer. The steps include:

Find a crypto-friendly real estate seller or agency. Not all sellers accept crypto, so you need an agent or marketplace specializing in crypto transactions.
Negotiate payment terms. The price may be expressed in a cryptocurrency or fiat currency, such as USD or EUR, thus subjecting the final amount to the exchange rate at the time of the transaction.
Complete the legal process. Some countries may require additional paperwork to establish the lawful character of the transaction.

Applying for a Mortgage with Crypto as Collateral

If the seller is unwilling or unable to accept crypto payments, some lenders will extend the offer of a crypto-backed mortgage, allowing you to use digital assets as collateral. This means:

You deposit out your cryptocurrency with some lender — the lender keeps your crypto in its secure holding.
You receive a mortgage loan in fiat, so you can acquire a property without risking converting your crypto.
You will then repay the loan like any conventional mortgage: monthly interest payments. If the value of your crypto decreases considerably, you may be required to provide more collateral or risk liquidation.

Not every bank offers that. Bitcoin mortgages and other cryptocurrencies are offered mainly through special financial institutions, such as Ledn, Milo, Ennes Global, and others.

Convert Your Cryptocurrency for Cash

You may exchange crypto for fiat to buy real estate if nothing works for you.

Sell it using one of the crypto exchanges or OTC services. Binance, OKX, Coinbase, and other crypto exchanges allow you to sell and withdraw funds. You can use P2P trading or bank payouts. Also, remember that selling crypto is usually taxable and subject to capital gains tax, but specifics may differ depending on the country in which you are taxed.
Transfer funds into a bank account. Some banks require extra documentation for large transfers.
Use offline exchanges to transfer large amounts of money. It’s safer and more secure, especially if you need a transaction confirmation for a bank or real estate agent. In 1tab, you can send crypto or fiat to pay for real estate, and we will convert it into a currency your seller accepts and send them the money, providing you with confirmation papers. Contact us on Telegram to learn more and discuss details. Also, using this method, you don’t need to pay taxes because you don’t sell crypto — you transfer it to us.

Where Can You Buy Real Estate with Crypto Directly

UAE

The UAE national cryptocurrency market continues to expand, with crypto being actively used in the country. Arabian Business reports that the UAE has the fastest-growing number of crypto users outside the financial sector, including in real estate.

What companies accept crypto

Leading UAE developers facilitate cryptocurrency transactions, including Emaar Properties, DAMAC Properties, Select Group, Nakheel, Meraas, and Dubai Properties.

Transaction details

All transactions in the UAE are conducted in dirhams. Therefore, developers convert cryptocurrency payments into the national currency.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $177,000.
In the city center, prices average around $3,000 per square meter. However, the overall cost of living in Dubai exceeds other UAE cities. According to Immigrant Invest, Dubai’s average price per square meter is $3,540.

Today, the UAE is among the top destinations for cryptocurrency-based real estate purchases:

The UAE offers the most favorable environment for cryptocurrency-related activities and projects. Initiatives are in place to facilitate crypto payments for property purchases, with government agencies providing support. Transactions are made through crypto wallets, allowing individuals to transfer funds directly to developers who accept cryptocurrency payments.
Aleksei Kurkin, Doctoral Student, National Research University Higher School of Economics, Research Assistant, Center for Financial Research and Data Analysis

According to Aleksei, specialized agencies enable cryptocurrency-based real estate purchases in the UAE. However, since the Central Bank has not officially authorized such transactions, these agencies independently handle cryptocurrency conversions to dirhams.

Thailand

What companies accept crypto

Many developers in Thailand accept Bitcoin, Ethereum, and USDT, including Ananda Development, Serene Condominium, Wallaya Villas, and Andaman Riviera.

Transaction details

Cryptocurrency is not legally recognized by banks, so buyers must convert it to fiat for real estate transactions.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $220,000.
In the city center, prices average around $3,700 per square meter.

Thailand pioneered cryptocurrency regulation in Asia, fueling a booming digital asset market. The sector has experienced rapid expansion, with official exchanges now handling approximately $3–3.5 billion in monthly transactions. In 2018, the Thai government established a regulatory framework controlling cryptocurrency and Initial Coin Offerings (ICOs). This framework aims to prevent financial fraud and ensure transaction security.

Georgia

The real estate market in Georgia now offers excellent opportunities for both long-term rentals and investments at the construction stage.

What companies accept crypto

In Georgia, numerous construction companies accept payments in USDT and other cryptocurrencies, including agencies Sea Inside and Geoln, as well as developers York Towers, Demaks, Apart Dev, and Roof Dev.

Transaction details

While cryptocurrency is accepted for real estate purchases, regulatory requirements mandate that transaction values be recorded in fiat currency in the official registry.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $100,000.
In the city center, prices average around $1,700 per square meter.

Georgian authorities maintain a supportive stance towards cryptocurrencies, regulating the sector through legislation. Companies facilitating crypto transactions are required to obtain a license.

To purchase housing in Georgia, you can contact a specialized intermediary organization.

Dmitry Fedorov, CEO of Freedom Real Estate Agency, shares expertise on navigating crypto real estate transactions:

Currently, around 5-10% of our agency’s transactions involve cryptocurrencies. Buying real estate with crypto is identical to traditional fiat-based transactions. The buyer and seller sign a preliminary agreement outlining payment terms, then the buyer transfers cryptocurrency to the seller’s account, and finally, the transaction is registered. The primary challenge lies not in the payment method but in selecting a developer. It is crucial to find a company or seller that accepts crypto payments and is trustworthy.
Dmitry Fedorov, CEO of Freedom Real Estate Agency

According to Georgian investment regulations, foreign investors are exempt from paying taxes on capital gains, including income derived from cryptocurrency investments. Additionally, there are no restrictions on foreign exchange transactions.

To simplify international real estate transactions, contact our 1tab service, headquartered in Tbilisi. We facilitate crypto-to-cash exchanges and convert foreign fiat currency into crypto. Use our Telegram bot to submit an application and receive personalized guidance through private messages.

Turkey

What companies accept crypto

You can buy real estate using bitcoins or other cryptocurrencies through developers like Antalya Homes, Istanbul Homes, and Summer Home Real Estate & Construction Co. Details on cryptocurrency payment options are available on their official websites.

Transaction details

Payments are made through specialized agencies that accept digital currencies and convert them into fiat.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $100,000.
In the city center, prices average around $1,400 per square meter.

The Turkish crypto market is thriving with government support. 52% of Turkish residents invest in cryptocurrencies, viewing them as a stable asset. The Central Bank is testing its digital currency, and the government is working on new regulations to control the sector. This approach aims to mitigate the economic impact of the Turkish lira devaluation.

According to a Turkish real estate agency, transactions here primarily involve Bitcoin, with USDT and Ethereum being less common.

Under Turkish law, investing $250,000 or more in real estate qualifies foreigners to apply for Turkish citizenship through the Golden Visa program.

Portugal

What companies accept crypto

For those seeking property sellers in Portugal, Сryptorealestate.cc provides an up-to-date database of developers that accept Bitcoin and other digital currencies.

Transaction details

Unlike previous countries, Portugal allows official real estate transactions using crypto without requiring conversion to the local currency.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $190,000.
In the city center, prices average around $3,200 per square meter.

Portugal’s 2022 laws have simplified cryptocurrency transactions, enabling notaries to authorize such deals. Previously, conversion to euros was mandatory. Two years ago, an investor purchased a three-bedroom apartment in Braga for 3 BTC (approximately €110,000), marking Portugal’s first Bitcoin real estate transaction, as reported by real estate company Zome.

The Portuguese government maintains a neutral stance on cryptoeconomics development. Banks caution that they are not liable for losses resulting from unprofitable cryptocurrency transactions.

Montenegro

What companies accept crypto

To find developers accepting cryptocurrency payments, including Bitcoin, check out Mdrealty.me.

Transaction details

Transactions can be conducted directly in cryptocurrency without fiat conversion. They are regulated by a standard financial license and can be officially documented by a notary.

Real estate prices (source: Finder.com, 2023)

The average cost of an apartment in the country is approximately $130,000.
In the city center, prices average around $2,200 per square meter.

Although cryptocurrencies are not officially recognized as a payment method in Montenegro, they are permitted and commonly used in transactions.

Last year, the Ministry of Finance announced plans to draft a bill regulating cryptocurrencies to align with EU standards ahead of the country’s accession to the bloc. The legislation is expected to be developed over the next few years.

Conclusions

Purchasing real estate with cryptocurrency is a secure process increasingly practiced worldwide. Currently, specialized agencies often facilitate such transactions. However, as cryptocurrencies gain legitimacy and recognition from government agencies, the need for intermediaries decreases. Soon, this payment method will likely become even more mainstream and popular among both crypto-savvy individuals and those less familiar with digital currencies, including buyers and sellers.

Developers accepting crypto often convert it to fiat, charging clients an additional fee. To avoid overpaying, contact us to convert your funds to the local currency. We are happy to assist you and answer any questions via Telegram, or submit a request below.