Let’s walk through a simple example.
You own a home valued at $1 million. Over time, you’ve built up substantial equity, and you want to access a portion of it to buy Bitcoin.
With Horizon, you unlock $100,000 in cash. This represents 10 percent of your home’s current value. That amount may vary depending on your home, your equity, and the terms offered by Horizon’s preferred provider.
In return, the provider receives a small ownership interest in your home’s future value. That interest starts at 10 percent and gradually increases over time, capped at a maximum of 22.5 percent, which is equivalent to 2.25 times your initial investment. This cap is subject to change in the future based on the terms set by our preferred provider.
The pace of this growth depends on your home’s appreciation, which in our model is assumed at 3 percent per year. This is based on long-term U.S. housing trends. As your home value rises, the provider’s share becomes more valuable, but it can never exceed the cap.
Here is what that looks like in practice:
In year 1, your home is worth $1.03 million. The provider’s share grows slightly to 10.97 percent. Your effective cost is 12.99 percent annualized. That is the ceiling. No matter how your home performs, it will never cost you more than that.
In year 5, your home is worth approximately $1.16 million. The provider’s share is now 15.89 percent. Your annualized cost remains 12.99 percent.
By year 10, the share reaches the 22.5 percent cap. From this point on, the cost begins to decline. Your effective annual cost drops to 11.7 percent.
In year 20, the cost falls to 7.26 percent.
By year 30, it drops even further to just 5.82 percent annualized.
The longer you hold, the lower your cost becomes.
This structure rewards patience. Unlike loans or credit lines that accumulate interest or demand payment on a fixed schedule, Horizon’s model aligns with long-term thinking. If you are planning to stay in your home for many years, the economics improve over time.
Let’s not forget what you used that unlocked $100,000 for: you bought Bitcoin.
If you believe that bitcoin will continue to outperform home appreciation over time, then Horizon offers a way to put your equity to work. You are not required to sell your home. You are not giving up ownership. You are not making monthly payments or owing interest.
There is no fixed deadline. You settle the agreement when you choose to move, refinance, or repurchase the provider’s share of your home.
You remain the homeowner, and you stay in control.