This Bitcoin Use Case Proves Why Mortgages Are a Trap | Mauricio Di Bartelomeo | BFM225

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Jan 22, 2026

Mauricio Di Bartolomeo, co-founder of Ledn and expert in Bitcoin-backed lending, dives into the pitfalls of traditional banking. He discusses how Bitcoin serves as pristine collateral, enabling access to loans for those typically excluded by banks. Mauricio also contrasts Bitcoin loans with mortgages, highlighting the hidden costs of fiat money and real estate. He envisions a future where younger generations prefer Bitcoin over property, reshaping wealth dynamics. Plus, insights on why regulation and innovation will drive Bitcoin adoption.

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INSIGHT

24/7 Liquid Collateral

Bitcoin is superior collateral because it trades 24/7, has deep liquidity, and is infinitely divisible.
Those properties make lending against Bitcoin less risky and more flexible than loans on houses or cars.

INSIGHT

Uniform Global Underwriting

Bitcoin enables uniform underwriting: the same collateral quality everywhere, so lenders can offer identical terms globally.
This levels access to credit for borrowers in Latin America, Africa, and beyond.

ADVICE

Use Bitcoin As Creditworthiness

Lend or borrow against Bitcoin by focusing on collateral value, not personal income or credit scores.
Complete KYC and pledge custody Bitcoin to access loans based solely on pledged BTC.

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Mauricio Di Bartolomeo is the co-founder and Chief Strategy Officer of Ledn, a leading global platform for Bitcoin-backed lending and savings.

› https://x.com/cryptonomista

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🕑 TIMESTAMPS

00:00 – Bitcoin for Millennials: A New Framework

01:28 – Bitcoin as Pristine Collateral

09:50 – Borrowing Without Selling Bitcoin

17:02 – Why Banks Are Structurally Trapped

19:02 – Bitcoin and the Future of Wealth

30:54 – Real Estate: Asset or Liability?

32:17 – Fiat Money’s Hidden Housing Tax

38:12 – The Next Wave of Bitcoin Lending

44:43 – Mortgages vs. Bitcoin Loans

54:56 – Bitcoin, Time, and Meaningful Work

ℹ️ EPISODE SUMMARY

Bram Kanstein and Mauricio Di Bartolomeo discuss why Bitcoin is pristine collateral in a 24/7 market. They break how Bitcoin-backed loans beat real estate on liquidity, divisibility, and global underwriting. Mauricio confronts the mortgage illusion, it is a loan on your income, quietly subsidized by fiat debasement and taxes. They unpack why banks struggle with always-on risk engines, and why regulation is actually pulling Bitcoin finance into the open. It ends on conviction, sovereignty, and why loving the work is the real edge.

RELAI DISCLAIMER

Relai sponsors this show/podcast and is authorized to provide crypto-asset services in Switzerland and across the European Union under the MiCA regulatory framework with its license issued by the French regulator, AMF (License No: A2025-006). The company is actively expanding its services to EU member states following the completion of passporting notifications.