Move crypto into Florida real estate — cleanly, privately, on your timeline.
MoneyWave runs the entire cycle from cold storage to a clean U.S. title: conversion, timing, source-of-funds documentation, and the introductions to a title company and seller who won't walk away mid-deal.
Paying in crypto isn't the hard part. Doing it cleanly is.
In 2026, almost no Florida purchase is wallet-to-wallet with the seller. To them it looks like an ordinary cash deal. The entire weight sits on the buyer's side — and that's exactly where deals quietly fall apart.
“We accept Bitcoin.” Send crypto, get keys.
Crypto buys you speed of funding. The tempo is still set by compliance, escrow procedure, and documentation. The work is converting, timing the gain, proving the source of funds, and aligning counterparties — done in the right order.
“We are not a “we take BTC” gimmick. We are liquidity orchestration.”
We run the whole purchase end to end — realtor, title, escrow, financing.
We're not a single broker. We're a state-licensed company and a network of partners, and one coordinated team takes you from crypto to keys: the exchange, the documentation, the closing table, and — when you need it — the financing.
Licensed crypto-to-dollar exchange
As a Florida-licensed money services business (license FT230000438), we convert your crypto to U.S. dollars in-house and lawfully — the exchange isn't left to chance or handed off to a stranger.
Timing & tax
When, precisely, to realize the gain against the closing date — or whether to borrow against your crypto instead of selling it.
Source of funds
A documented chain of custody that survives bank screening and escrow review. This is the difference between a closing and a frozen wire.
Turnkey — realtor to title
Through partner programs with realtors, title companies and escrow agents, the entire purchase is run under one roof, start to finish.
Financing — even for non-residents
Use your crypto as the down payment and we help arrange a mortgage on top — including financing for buyers who are not U.S. residents, through our mortgage-broker partners.
We're licensed to do this. That is the difference.
Money Wave Corp is a Florida-licensed money services business (Part II), regulated by the state Office of Financial Regulation. On top of that, the 2026 FinCEN Residential Real Estate rule now requires reporting on non-financed transfers to entities and trusts, with crypto-funded purchases drawing extra scrutiny. Being licensed — and closing strictly within the rules — is the entire moat.
State-licensed money transmitter
License FT230000438, issued by the Florida Office of Financial Regulation in 2023 — verifiable on the state register at flofr.gov.
Documents that survive KYC
Bank and escrow screening is where crypto deals die. We assemble the source-of-funds file before the wire, not after the freeze.
Built for the FinCEN RRE rule
Non-financed transfers to entities and trusts are now reportable. We structure the deal to be reportable-ready from day one.
A Florida-licensed money services business.
Money Wave Corp is licensed by the State of Florida to transmit money and exchange virtual currency. That means the crypto-to-dollar exchange happens in-house and lawfully — we don't hand you off to figure it out alone.
- License type
- Money Services Business · Part II
- License number
- FT230000438
- Regulator
- Florida Office of Financial Regulation
- Status
- Active · licensed since 2023
We decline what we can't document.
If a source of funds cannot be documented, it is not a difficult client — it is a hard no. As a licensed business, that discipline is exactly what lets the deals we do take, close.
Built around large checks and real compliance pain.
Our core client holds serious crypto, has a large unrealized gain, and often does not want to simply sell. The pain is large; the check is large; the mechanics don't scare them.
The mature holder, diversifying
Long-term BTC/ETH holders, early investors, founders and operators — 30–55, with a meaningful unrealized gain — converting digital wealth into a hard asset.
Internationally-mobile capital
LatAm and Russian-speaking capital landing in South Florida. The need shifts toward source-of-funds and documentation that survives bank screening.
The crypto entrepreneur
Wants it done-for-you, end to end. High willingness to pay for a concierge close; low sensitivity to fees.
Four steps. One closing.
Discovery & qualification
A confidential call to map the position, the target purchase, the timeline — and to confirm the source of funds can be documented.
Liquidity & tax plan
We design the conversion path and the timing of the gain — or a borrow-against-crypto route — coordinated with your tax counsel.
Compliance dossier
We assemble the source-of-funds file and structure the deal to be FinCEN-ready before a dollar moves.
Close & title
Aligned title and escrow partners take it to a clean closing, with the discretion the capital expects.
What serious buyers ask first.
Not necessarily. Many clients don't want to exit the position — for tax-timing or thesis reasons. We plan the conversion timing carefully, and where it fits, structure a borrow-against-crypto route so you keep exposure while you buy.
Yes — this is one of the most important things we do. We structure purchases where your crypto is the down payment and a mortgage covers the rest, including foreign-national mortgages for buyers without U.S. residency, arranged through our mortgage-broker partners.
Yes. Money Wave Corp is a Florida-licensed money services business (license FT230000438), regulated by the state Office of Financial Regulation. We structure deals for FinCEN's 2026 reporting rule and to pass bank and escrow KYC, work strictly within the rules — and decline funds that can't be documented.
Discretion is a deliverable. We structure the closing for privacy within what the rules allow — never around them — and keep your exposure to a minimum throughout.
We coordinate the timing of any realized gain with the closing and work alongside your tax counsel. MoneyWave orchestrates the liquidity and documentation; we don't replace your CPA or attorney — we make their job clean.
South Florida is our focus — Aventura, Sunny Isles, Bal Harbour, and greater Miami — including new-build condos and trophy properties.
Start a confidential conversation.
Tell us the shape of the position and the purchase. We'll reply privately with whether and how MoneyWave can orchestrate it.