Yes, the rate assigned to the crypto mortgage is dependent on the (agreed upon) ratio of crypto pledged as collateral in relation to the total loan amount. At each anniversary of the loan there is an annual "overage assessment." During each overage assessment, if the value of your crypto asset has appreciated, you're given the opportunity to adjust your rate to reflect the new ratio of crypto collateral to the total loan amount OR have the excess crypto returned to your wallet. The higher the ratio is, the lower your rate will be.

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