How to use Crypto to Buy Real Estate | Real Estate and Cryptocurrency: There are a couple different types of crypto platforms that you can work with for lending. You can put it and get a nice return on lending, or you can borrow against it. There's basically either a decentralized or there's a centralized. Essentially the difference is one of them holds your crypto keys, and the other does not. If they are holding your tokens, there is some risk associated with that, but you get a better return