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une 04, 2025 8:30 AM EDT | Source: Beeline Financial Holdings, Inc.

    Beeline Holdings, Inc. (NASDAQ: BLNE) is launching a new home equity access product that allows homeowners to convert a portion of their home equity into immediate cash without incurring debt or monthly payments. This innovative product is made possible through a partnership with RealCo, which will issue stablecoins to access capital to purchase equity from homeowners seeking liquidity.

    The hard launch is scheduled for late July, with beta transactions beginning in June. Homeowners selling equity can opt to receive RealCo-issued stablecoins or US dollars. Unlike conventional lending products, this is not a loan transaction tied to interest rates or a buy-back obligation, allowing Beeline to generate consistent revenue in any rate environment.

    RealCo will initially launch in approximately ten thousand US zip codes and will only enter into equity purchases on homes with a value of $1 million or more. Participating homeowners will receive cash at closing and won't be required to repay the funds until the property is sold.

    "This model enables us to provide homeowners with liquidity quickly, with an unprecedented model," said Nick Liuzza, CEO of Beeline Holdings. "The stablecoin mechanism becomes the catalyst for funding, and the stablecoin is secured by property recorded in 1:1 in the blockchain and in the public record."

    Beeline's existing product suite includes conventional mortgage offerings and non-QM loan programs optimized for 1099 earners, self-employed borrowers, and younger homeowners. The company emphasized that this new product is an addition to its core model, not a pivot.

    "We're simply adding more firepower to our arsenal that meets the evolving needs of today's homeowners," said Jess Kennedy, COO of Beeline.

    The product is expected to benefit individuals who don't qualify for traditional cash-out refinancing or HELOCs but have meaningful equity. Beeline anticipates additional use cases to emerge as the product rolls out to a wider audience in the months ahead.

    Beeline Financial Holdings, Inc. is a trailblazing mortgage fintech transforming the way people access property financing through its fully digital, AI-powered platform. The company is headquartered in Providence, Rhode Island, and operates Beeline Labs, its innovation arm focused on next-generation lending solutions.