At first glance, the American economy appears to be booming. Home values are hovering near all-time highs. The stock market is on an upswing. A 3-bed suburban home purchased a decade ago is now "worth" twice as much. The average 401(k) balance is up. On paper, it
Most homeowners have been told there are only a few ways to access their home equity: a loan, a HELOC, or a reverse mortgage. Horizon is none of those. We built Horizon to serve a different purpose entirely. It is designed to help long-term bitcoin holders unlock their home equity
Over the past decade, U.S. home values have surged. Headlines call it a historic run for homeowners. Limited inventory and all-time-low interest rates are tailwinds that have driven U.S. homes to record-high values. But for those thinking in bitcoin terms, the story is completely different: when you price
Matt, a California homeowner, purchased his house in 2019. Since then, he has watched its value surge by an impressive 75%. Today, his property is worth $1.5 million, and he's built up a substantial $1 million in home equity—representing a significant portion of his total net
Home equity—the difference between a home's market value and the outstanding mortgage balance—has taken center stage in American household finances. Currently, the average U.S. homeowner holds approximately $313,000 in home equity, representing a significant, yet largely illiquid, portion of their wealth. In early 2025,
U.S. homeowners currently sit on unprecedented levels of home equity, collectively controlling approximately $35 trillion—more than double the amount recorded before the 2008 financial crisis. Tapping into home equity remains challenging for many homeowners due to historically low, locked-in mortgage interest rates. Refinancing through traditional methods, such as