Cryptocurrency may not be part of most real estate closings yet, but buyers are starting to ask more questions about how digital payments, rewards and blockchain tools could fit into a home purchase.

At the National Settlement Services Summit in Kansas City, panelists discussed how Megatel Homes, which develops large master plan residential communities, and MegPrime are building a payment platform around the MegPrime Token, according to The Title Report.

The model is designed to let consumers use the token for payments and earn rewards that could later be applied toward home purchase costs.

As digital payment tools move closer to housing, customer questions may become more specific: Can rewards be used toward a purchase? Do digital assets count as funds? Who verifies them? And when does a new payment option become a closing issue?

Trey Hoppe, co-president of MegPrime and executive vice president and managing director at Megatel Capital Investment, said the idea is to give renters a way to build value from rent payments.

“We’re saying turn that rent into equity in a house,” Hoppe said, according to The Title Report.

Panelists said MegPrime received a no-action letter from SEC staff, meaning staff would not recommend enforcement action based on the specific facts presented. They described the letter as an important step in the token’s rollout, though it does not amount to broad SEC approval.

For now, crypto is more likely to raise questions than change the closing process. If a buyer wants to use digital assets, token rewards or crypto-related savings, the key issue is whether those funds can be documented, verified and accepted before the deal reaches the closing table.

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