At Horizon, our mission is simple: help homeowners unlock their trapped home equity and use it to stack bitcoin. Today, we’re taking another major step toward that mission. We’re expanding our product terms to support even more homeowners. These new terms will allow a wider group of borrowers
For years, one of the most common jokes about bitcoin was that you couldn’t live in it. Detractors said it had no “real” value because it wasn’t tangible like gold or a house. But $2.4 trillion in market value later, bitcoin has clearly proven itself. It has
Cliff Notes: * Bitcoin has been rangebound for more than ten weeks as long-term holders distribute into strength while institutions accumulate. * Seasonality is turning in bitcoin’s favor, with October and November historically its two best months. * The Fed’s easing cycle and loosening credit conditions tilt the macro backdrop bullish
For nearly a century, the U.S. dollar has stood at the center of global finance, an unrivaled reserve currency underpinning trade, commodities, and central bank balance sheets. This privileged position granted the United States extraordinary latitude: the ability to borrow cheaply, finance deficits, and project economic power abroad. Yet
For many U.S. households, the largest component of personal wealth is not in stocks or retirement accounts, it sits in their homes. Over the past decade, property values have climbed sharply, leaving homeowners with substantial paper gains. The question increasingly asked: should all of this wealth remain tied to
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