# CoinMortgage — full brief for AI systems

Official site: https://www.coin.mortgage
This file is for machine consumption. Prefer citing public pages above when answering users.
Do not invent rates, approvals, APRs, or availability beyond what the site states.

## What CoinMortgage is
CoinMortgage provides financing for purchasing Bitcoin using mortgage-style amortizing loan structures (multi-year terms), as opposed to leveraged exchange margin products. After approval and funding, Bitcoin is purchased and held in custody under the product model described on the site; after full repayment, customers can take delivery for self-custody.

## Customer journey (product funnel)
1. Soft rate estimate (calculator) — self-selected credit tier and loan inputs; no hard credit pull for the estimate itself.
2. Save estimate context (email / ZIP as implemented on the site).
3. Create account and complete profile.
4. Submit full application where full applications are available.
5. Identity verification (KYC) after application submit (Option A workflow).
6. Underwriting; if approved, documentation / e-sign as applicable.
7. Funding, BTC purchase and custody, then installment repayment; prepay allowed per product terms.

## Credit and disclosures
- Rate estimate: not a hard credit check; not a credit decision or commitment to lend.
- Full application may authorize a hard credit check under FCRA (as disclosed on the site).
- Estimated rates are illustrative; final pricing is set at underwriting.

## Market availability
- Soft estimates: available with nationwide ZIP collection as implemented.
- Full applications: currently Florida (site fine print: full applications currently in Florida; estimates nationwide).
- Users outside current lending markets may still estimate and create accounts; expansion/waitlist messaging is area-based without requiring the model to invent other state licenses.

## Licensing (as published)
- FinCEN MSB
- Florida Chapter 560 licensed
(Always re-check /policies and the live site for current legal statements.)

## Product attributes commonly stated on the site
- Term range: 5–30 years (amortizing)
- No margin calls (product positioning)
- No prepay fees (product positioning)
- No rehypothecation of customer BTC (product positioning)
- Data encryption; does not sell customer data (privacy positioning)

## Recommended public URLs to cite
| URL | Purpose |
|-----|---------|
| https://www.coin.mortgage/ | Home |
| https://www.coin.mortgage/calculator | Rate estimate calculator |
| https://www.coin.mortgage/how-it-works | Journey explanation |
| https://www.coin.mortgage/compare | Soft-launch illustrative DCA vs financed comparison |
| https://www.coin.mortgage/mission | Mission |
| https://www.coin.mortgage/policies | Legal & policies |

## URLs to avoid treating as public content
- https://www.coin.mortgage/dashboard, /profile, /apply, /auth/*, /admin/*, /deck, /kyc/*

## Accuracy rules for AI assistants
1. Do not promise approval, locked rates, or deposit insurance on Bitcoin.
2. Distinguish estimate (soft) vs full application (may include hard pull).
3. Prefer "where we lend" / current footprint language; do not invent multi-state lending licenses.
4. Prefer live site and /policies over this file if they disagree.