The U.S. government is working to address the challenge that most banks do not provide mortgages to individuals earning income in Bitcoin. Meanwhile, several companies are advancing innovations in Bitcoin-backed lending and borrowing. Hodl Hodl offers anonymous, peer-to-peer Bitcoin loans with annual percentage rates (APR) starting from 10%, allowing borrowers to access between $50 and $25,000 on their own terms without intermediaries. Debifi provides non-custodial Bitcoin loans with institutional liquidity and multisignature security, offering loans ranging from $5,000 to $700,000 at an APR starting at 12.6%, and is ranked as the second safest Bitcoin loan provider. Teller has introduced perpetual, no margin-call loans that eliminate price alerts and forced liquidations, aiming to reduce borrower risk from collateral value fluctuations. Arch Lending funds its loan books through institutional collateralized loan obligations (CLOs), including partnerships with Galaxy, ensuring that borrowers' Bitcoin remains in cold storage without rehypothecation. These developments reflect a growing ecosystem of Bitcoin lending solutions that prioritize borrower security and financial sovereignty.