Residency through real estate

Get Panama residency without selling your Bitcoin.

Borrow USD against your BTC, buy qualifying Panama property, and unlock permanent residency under the Qualified Investor Visa ($300K for new property, $500K resale) or the Friendly Nations Visa ($200K).

Start qualifying Compare visa options

How the BTC-collateral path works

Four steps from BTC holder to Panama resident. No taxable sale, no loss of upside exposure.

1. Pledge BTC as collateral

Use a regulated BTC-backed loan provider. Your Bitcoin stays as collateral and keeps its upside exposure.

2. Receive USD liquidity

Typical loan-to-value of 30–50%. You receive USD without triggering a taxable sale of your BTC.

3. Buy qualifying Panama property

Acquire titled real estate at $200K (Friendly Nations) or $300K (Qualified Investor) minimum, free of liens.

4. File your residency

We coordinate with local counsel to submit your visa application. Permanent immediately under QIV, temporary first under FNV.

Why this works for Bitcoiners

No taxable sale

Keep your cost basis. Borrowing against BTC is not a disposition event in most jurisdictions.

Territorial taxation

Panama taxes only Panama-sourced income. Foreign income, including BTC gains realized later, is not subject to Panamanian income tax.

Family included

Spouse and dependent children (and in some cases dependent parents) are added to your application.

Path to a passport

Eligible to apply for Panamanian citizenship after five years of permanent residency.

Two visa paths, one real-estate strategy

Compare the Qualified Investor Visa and the Friendly Nations Visa side by side. Pick the right one and we will help you execute.

Feature	Qualified Investor VisaPermanent residency immediatelyExecutive Decree 17 of 2026	Friendly Nations VisaTemporary → permanent after 2 years
Minimum real-estate investment	$300,000 new, first-sale property; $500,000 resale	$200,000
Residency granted	Permanent immediately	Temporary first, permanent after 2 years
Eligible nationalities	Any nationality	~50 friendly nations (US, Canada, UK, EU, Australia, NZ, Japan, South Korea, Singapore, etc.)
Property requirements	Titled Panama real estate, free of liens	Titled Panama real estate, free of liens
Minimum hold period	5 years	2 years (to convert to permanent)
Path to citizenship	Eligible after 5 years of permanent residency	Eligible after 5 years of permanent residency
Physical presence	Visit Panama every 2 years	Visit Panama every 2 years (after permanent)
Government fees (approx.)	~$11,000 main applicant	Comparable
Legal fees (approx.)	~$5,000 main applicant	Comparable
Legal basis	Executive Decree 17 of 2026	Decree 197 of 2021, as amended
	Start with QIV	Start with FNV

Qualified Investor Visa

Permanent residency immediately

Executive Decree 17 of 2026

Minimum real-estate investment: $300,000 new, first-sale property; $500,000 resale
Residency granted: Permanent immediately
Eligible nationalities: Any nationality
Property requirements: Titled Panama real estate, free of liens
Minimum hold period: 5 years
Path to citizenship: Eligible after 5 years of permanent residency
Physical presence: Visit Panama every 2 years
Government fees (approx.): ~$11,000 main applicant
Legal fees (approx.): ~$5,000 main applicant
Legal basis: Executive Decree 17 of 2026

Start with QIV

Friendly Nations Visa

Temporary → permanent after 2 years

Minimum real-estate investment: $200,000
Residency granted: Temporary first, permanent after 2 years
Eligible nationalities: ~50 friendly nations (US, Canada, UK, EU, Australia, NZ, Japan, South Korea, Singapore, etc.)
Property requirements: Titled Panama real estate, free of liens
Minimum hold period: 2 years (to convert to permanent)
Path to citizenship: Eligible after 5 years of permanent residency
Physical presence: Visit Panama every 2 years (after permanent)
Government fees (approx.): Comparable
Legal fees (approx.): Comparable
Legal basis: Decree 197 of 2021, as amended

Start with FNV

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$300,000 is the standing minimum for new property.

Under Executive Decree 17 of 2026, in force since September 16, 2026, the Qualified Investor Visa minimum is $300,000 for new, first-sale property bought from the developer, with no deadline. Resale property requires $500,000.

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What Panama permanent residency unlocks

Territorial tax system

Foreign-source income, including realized BTC gains earned outside Panama, is not subject to Panamanian income tax.

Family inclusion

Add your spouse and dependent children. Dependent parents may qualify under certain programs.

Strong passport (post-naturalization)

Panamanian citizens enjoy visa-free or visa-on-arrival access to 140+ destinations.

Low-friction maintenance

Under the QIV, a single visit to Panama every two years is enough to retain your status.

Frequently asked questions

See if you qualify

Tell us a bit about your situation and we will respond within 24 to 48 hours with a clear path forward.

Get Panama residency without selling your Bitcoin.

How the BTC-collateral path works

Why this works for Bitcoiners

Two visa paths, one real-estate strategy

$300,000 is the standing minimum for new property.

What Panama permanent residency unlocks

Frequently asked questions

Do I have to sell my Bitcoin?

What happens to my collateral if BTC drops?

Which nationalities qualify for the Friendly Nations Visa?

What is the difference between the Qualified Investor Visa and the Friendly Nations Visa?

Does the $300,000 threshold still apply after October 15, 2026?

Can my family come with me?

When can I apply for Panamanian citizenship?

What does the all-in cost look like?

See if you qualify