I am wondering 2 things:

is there a pre-payment penalty? You can look to refinance as you gain equity both in market value and the lowered principle balance over time. This can be effective during an interest rate decrease in mortgages. You can then have a lower interest rate and get access to your Bitcoin and begin earning yield which could further be applies to your principle balance.
How would they handle a swing like a 20% drop or more in the value of Bitcoin? Would you need to over collateralize or add more if the Lone to Value ratios become too offset?
this will only benefit crypto in the future as these types of loans evolve and become more mainstream!

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