Woofun AI reports that Silicon Valley Bank identifies a new institutional phase for Bitcoin lending, marked by enhanced risk management and lower borrowing costs following the 2022 credit crisis. Major US banks now offer Bitcoin-backed credit, driving total crypto mortgages to $67 billion, a 49% year-on-year increase. Ledn estimates the consumer BTC mortgage market at $3 billion, projecting potential growth to $1 trillion within a decade. Current interest rates span 7.5% to 16%, with expectations that bank and private credit fund participation will compress spreads.