Better and Framework Ventures Announce Strategic Partnership to Enable Deployment of $500MM into Better via Sky’s Stablecoin Ecosystem

Better Home & Finance Holding Company , the AI-native mortgage and home equity finance company, and Framework Ventures, a leading SF-based venture capital firm with a background in the decentralized finance ecosystem, announced they have agreed to launch a strategic partnership that aims to provide $500MM in credit via integration of Better into the Sky stablecoin ecosystem as the home finance “Star” within the Sky ecosystem. Sky allocates capital across various “Stars” spanning multiple sectors; these entities deploy the capital to generate yield and direct the resulting earnings back into the Sky ecosystem. Better intends to integrate into the Sky ecosystem through Obex, a Sky-focused incubator administered by Framework Ventures, and backed by a $2.5 billion commitment from Sky.

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“We believe that Better’s integration into the Sky ecosystem could be a win for all parties: with this capital injection, we think Better will be able to rapidly scale origination and potentially lower mortgage rates for consumers in the long term. At the same time, bringing Better on as a Star would give the Sky stablecoin ecosystem a powerful and differentiated new source of yield,” said Vance Spencer, Co-Founder of Framework Ventures. “We view real-world assets as one of the most important frontiers in decentralized finance, and government-backed conforming mortgages are one of the largest real world asset classes in the world, comprising over $12 trillion in the United States alone. We were impressed by Better’s Tinman AI platform and its capability to originate mortgage and home equity assets, along with the company’s broader track record of originating more than $110 billion in loans.”

Better would retain full responsibility related to underwriting and loan origination. The Star would provide an alternative source of warehouse funding for Better, providing access to diversified capital on attractive terms that would improve funding efficiency and pass savings along to customers. Similar to traditional warehouse funding, the structure would be secured by originated assets and would not increase Better’s balance sheet risk profile.

“We believe tokenization has the potential to unlock efficiency and global liquidity in housing finance, one of the largest asset classes in the United States,” said Vishal Garg, Founder and CEO of Better. “We will be the first conforming mortgage originator to deploy tokenized capital to responsibly support mortgage assets at institutional scale, and in doing so lower funding costs for both Better and its Tinman AI platform partners, and their consumers by over 100 bps per year by integrating into the Sky Ecosystem. The full realization of our plan will translate into potentially sub 5% interest rates for Better’s customers when the rest of the industry is charging over 6%, in addition to significantly lowering the capital requirements for Better to finance its future growth plans as it scales from $500 mm per month to over $1 billion per month in originations in 2026. All this while providing token holders with yields well above current Stablecoin yield or rewards with superior credit risk. We’re just getting started.”

The adoption of tokenized financial assets has continued to accelerate across markets. Recent data shows that tokenized US treasury funds grew 80% to $7.4 billion in 2025 with funds run by BlackRock piloting tokenized products.¹ McKinsey estimates the market for tokenized mutual funds, bonds and exchange traded notes could grow to $2 trillion by 2030.² The companies believe home finance represents the next meaningful asset class to benefit from the evolution of tokenization from Treasuries into other Real World Assets.

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