Buying Luxury Real Estate in Miami with Bitcoin: Developer, Escrow, and Title

Real Estate · Flagship Guide

Miami is the only major US city where buying a condominium with Bitcoin is no longer unusual. It is, in certain buildings, the expected method. This is the complete guide: which developers accept Bitcoin, how LLC ownership structures protect the buyer, the full escrow and title mechanics for crypto-funded closings, and the federal capital gains layer that applies when BTC converts to property.

By the Bitcoinionaire Editorial Desk · Last Verified: May 2026

Related Guides

• Buying a DAMAC Property in Dubai with Bitcoin

Why Miami Is the Crypto Capital of US Real Estate

Miami’s position as the most crypto-friendly luxury real estate market in the United States is not an accident. The convergence of factors is specific and structural: Florida levies no state income tax, no state capital gains tax, and no state inheritance tax. Its legal framework for property transactions is well-established and developer-friendly. And its mayor, from 2021 onward, made Bitcoin acceptance a deliberate civic policy — inviting crypto-native principals to relocate, and signalling to the development community that digital asset buyers were welcome.

The result is a market where major developers have developed internal procedures for crypto-funded closings, where title companies have handled Bitcoin-to-wire conversions, and where luxury real estate attorneys routinely advise on the LLC structures that accommodate crypto-sourced wealth. Miami is not experimenting with Bitcoin real estate. It has operationalized it.

Verified Developers: Who Accepts Bitcoin in Miami

Last Verified: May 2026.

Dezer Development

Dezer Development is one of Miami’s most prominent luxury residential developers, with projects including the Porsche Design Tower, Residences by Armani/Casa, and the Hyde Beach developments. Dezer publicly confirmed cryptocurrency acceptance for new development sales and has been among the earliest major US developers to formalize Bitcoin-funded purchase procedures. The firm’s OTC arrangement allows buyers to purchase pre-construction units with a BTC-denominated deposit converted at an agreed rate at signing.

PMG

Property Markets Group (PMG) is the developer behind several major Miami branded-residence projects. PMG has structured crypto-funded transactions for qualified buyers on both pre-construction deposits and completed unit closings. Their legal team has developed a Bitcoin-to-escrow protocol that converts digital assets to USD at an agreed rate on the date of each required payment milestone.

Aston Martin Residences

The Aston Martin Residences tower at 300 Biscayne Boulevard Way confirmed cryptocurrency acceptance during its sales program and completed the tallest residential tower in Miami’s history with Bitcoin-funded buyers among its closing roster. The 66-story tower, completed in 2024, features full-floor penthouses and sky villas in the $5M to $50M range where digital asset settlement was explicitly offered as an option.

The Market: Where Bitcoin Buyers Are Buying

Miami’s luxury market is not a monolith. The submarkets Bitcoin buyers target most frequently fall into three distinct profiles.

Sunny Isles Beach. The Dezer portfolio — Porsche Design Tower, Residences by Armani/Casa, and the forthcoming Bentley Residences — has made Sunny Isles the de facto home of branded ultra-luxury residential in South Florida, from lower-floor two-bedrooms in the low millions to full-floor Porsche Design Tower penthouses with private car elevators that deliver the vehicle directly to the unit floor. The buyer profile is international wealth — Brazilian, Venezuelan, Colombian, Israeli, and increasingly crypto-native American.

Brickell and Edgewater. The urban core of the crypto-real-estate story. Brickell has evolved from a financial district into a genuine live-work-play neighbourhood, and the towers along Biscayne Bay — including the Aston Martin Residences — represent the most architecturally ambitious development in the city’s history. This is where the fund managers and exchange executives cluster.

Miami Beach, Surfside, and Bal Harbour. The legacy luxury market, refreshed by new supply and crypto-native buyers who prefer the barrier-island lifestyle over the urban core. Bitcoin transactions in this submarket tend to be resales brokered through agents with specific crypto-transaction experience rather than developer-direct sales.

The LLC Ownership Structure

No sophisticated buyer of Miami luxury real estate — crypto-funded or otherwise — should take title in their personal name. The standard structure is a Florida or Delaware single-member LLC, owned by the buyer, that takes title to the property. The LLC provides: liability protection (the property is an asset of the LLC, not the individual), privacy (Florida does not require public disclosure of LLC members in state records), estate planning flexibility, and clean accounting for the original Bitcoin-funded acquisition — a material consideration for eventual capital gains reporting.

For buyers with multiple properties or significant asset portfolios, a layered structure is common: the individual owns a holding company, which owns the property LLC. This structure provides an additional layer of privacy and facilitates estate planning without triggering a property transfer tax on each generational transition.

Escrow and Title Mechanics for Bitcoin-Funded Closings

Florida’s title and escrow system is structured around licensed title companies and real estate attorneys who hold closing funds in trust. For a Bitcoin-funded purchase, the mechanics are as follows:

Step 1 — Contract execution. The purchase and sale agreement specifies that the buyer will fund the escrow account in US dollars, with a side letter acknowledging that the source of funds is digital asset liquidation. Most Florida title companies and attorneys will not hold Bitcoin directly — they require USD in escrow.

Step 2 — OTC conversion. The buyer instructs their OTC desk to convert the required BTC to USD on a specified date. For a $5M property requiring a 10 percent deposit ($500,000), the OTC transaction is substantial enough to access institutional pricing with minimal spread.

Step 3 — Escrow funding. The resulting USD wire is sent to the title company or attorney’s escrow account. From this point, the transaction proceeds identically to any cash purchase.

Step 4 — Title search and insurance. The title company conducts a title search, issues a commitment for title insurance, and coordinates with the developer’s legal team on the deed preparation.

Step 5 — Closing. The balance of the purchase price is wired into escrow on closing day. The deed is recorded, title insurance is issued, and ownership transfers to the buyer’s LLC.

New Construction: The Pre-Construction Window

Miami’s luxury new-construction market operates on a deposit-schedule model with real consequences for a Bitcoin buyer. A typical pre-construction tower requires deposits of 20 to 30 percent of the purchase price, paid across construction milestones over a 24-to-36-month build, with the balance due at closing. For a $10 million unit, that means $2 to $3 million in deposits paid over three years rather than $10 million on day one.

For a buyer holding Bitcoin through a multi-year construction cycle, the structure creates optionality — and risk — in both directions. Each deposit installment is its own conversion event at the rate prevailing on the payment date: if Bitcoin appreciates across the build, the real BTC cost of the unit declines with each installment; if it falls, the buyer is funding fixed dollar milestones from a shrinking position. Several Miami developers accommodate installment funding in Bitcoin explicitly, but the disciplined approach is to treat every milestone as a separate settlement decision — hedged or pre-converted on its own schedule — rather than an implicit market call held open for three years.

The pre-construction window also offers customization. Most towers allow early buyers to specify finishes, fixtures, and in some cases unit combinations; the design-led towers (Porsche Design, Bentley, Aston Martin) are explicit about which elements are configurable. Buyers who sign within the first tranche of released units typically have the widest menu.

The Federal Capital Gains Layer

The IRS treats Bitcoin as property. Using appreciated BTC to purchase real estate is economically equivalent to selling the Bitcoin and using the proceeds — and it is taxed accordingly. A buyer who acquired BTC at an average cost of $10,000 and uses it to fund a $5M Miami purchase when BTC is trading at $90,000 will recognize a substantial capital gain on the BTC used for the conversion.

The applicable rate: long-term capital gains (BTC held over 12 months) are taxed at 0%, 15%, or 20% federally depending on income, plus the 3.8% net investment income tax for high earners. Florida has no state capital gains tax, which is a material advantage over New York, California, or Massachusetts buyers in comparable transactions.

The real estate acquired with Bitcoin is itself a depreciable asset if held for investment or rental — residential property depreciates over 27.5 years, reducing the effective tax burden on any rental income. A CPA experienced in both digital assets and real estate investment is essential before any closing.

Assembling the Buying Team: Who You Need in the Room

A Bitcoin-denominated Miami acquisition of $5 million or more requires four distinct specialists. The buyer’s real estate attorney is the lead architect: contract review, protective clauses, title-company coordination, and proper documentation of the Bitcoin settlement mechanics. Seek Florida Bar admission plus genuine digital-asset transaction experience — a smaller subset of the South Florida real estate bar, findable through brokerage introductions.

The digital-asset CPA calculates the capital gain triggered by the BTC disposal, advises on timing, structures the holding entity, and ensures federal and Florida reporting obligations are satisfied — engaged before the purchase contract is signed, not after. The OTC desk executes the conversion: for a $5-to-$10 million transaction, a Tier-1 desk (Coinbase Institutional, Cumberland, Galaxy Digital) executes at tighter spreads and provides the full KYC/AML documentation title companies require.

The buyer’s agent — a licensed Florida broker working exclusively for the buyer — provides market intelligence, access to the off-market inventory where the most interesting properties trade at this tier, and negotiating expertise. At the $5 million-plus level, buyer’s agents routinely work on commission alone, without a separate retainer.

Company Crypto-Ready Profile: Miami Luxury Real Estate

All pricing and developer acceptance claims verified by Bitcoinionaire editorial desk, April 2026. Acceptance policies change; confirm directly at time of inquiry. Bitcoinionaire receives no compensation for developer mentions.