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Empire · June 29, 2026 · 48m

Can You Really Buy A House Without Selling Your Crypto? | Vishal Garg

Vishal Garg

Vishal Garg, founder and CEO of Better.com, joins Empire to discuss how crypto and AI are reshaping the mortgage market. He details why the current mortgage process is ripe for disruption, Better's technology-driven business model, and the launch of crypto-backed mortgages that allow borrowers to keep their crypto holdings. The conversation also covers tokenization of home equity, partnerships with Coinbase and OpenAI, and the challenges of running a public company.

This summary was generated from show notes and public descriptions, not from a full transcript review. Details may contain inaccuracies.

Highlights

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Mortgage Market Inefficiency00:00
Vishal Garg explains that the current mortgage market is highly inefficient and overdue for technological disruption.
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Crypto-Backed Mortgages21:21
Better is developing crypto-backed mortgages that allow borrowers to use their cryptocurrency as collateral instead of selling it.
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AI in Mortgage Underwriting35:10
Garg discusses how AI and machine learning can transform mortgage underwriting by automating credit evaluation and expanding data inputs.
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Tokenization of Home Equity35:10
Tokenization could unlock home equity by allowing homeowners to access liquidity without traditional debt instruments.
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Editorial

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Running a Public Company44:21
Garg shares personal insights on leading Better as a publicly traded company in the fast-evolving fintech space.
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