US-dollar economy
The US dollar circulates as legal tender, so stablecoins like USDT and USDC map cleanly to property prices with no extra currency layer.
BTCETHUSDTUSDCSOL XRPXLMHBARICP Accepted as funding, converted to USD for closing
Own Panama.
Pay with Crypto.
Beachfront escapes, Panama City skyline condos and pre-construction opportunities, purchased with your digital assets through a fully coordinated network of crypto-friendly banks, lawyers, exchanges and developers.
- Lawyer-led due diligence
- KYC / AML compliant flow
- International buyers welcome
Funding sources we coordinate:
BitcoinEthereumTether USDTUSD CoinSolana+ more on request
// 01 — Why Panama, why crypto
The crossroads of the Americas,
upgraded for digital wealth.
Panama pairs Pacific and Caribbean coastline with a dollarized economy and a skyline that looks like tomorrow. For crypto holders, it is a natural place to turn digital assets into real, tangible property.
Beach + city lifestyle
Ocean-view towers in Punta Paitilla and Punta Pacifica, plus Pacific beach communities a short drive from the city.
Foreign-buyer friendly
Foreigners can generally hold titled property in Panama on similar terms to locals. Your lawyer confirms the specifics for each property.
Residency pathways
Panama offers residency programs with real-estate investment routes. Eligibility and minimums change, so they are confirmed with counsel.
Territorial tax system
Panama generally taxes Panama-source income. Get advice on how that, and your home country's rules, apply to you.
Diversify out of volatility
Rebalance part of your portfolio into a hard asset you can live in, rent out, or hold for the long run.
Hub connectivity
Tocumen International links Panama with North America, South America and Europe, ideal for part-time residents.
See if it fits your plan
15–30 minutes, no obligation. We map your coins, budget and goals to real options.
Book a call// 02 — How it works
From wallet to title deed in six steps.
Crypto is your source of funds; the property settles in US dollars and is registered just like a conventional purchase. Every step is coordinated for you.
- 01
Strategy consultation
We discuss goals, budget, which coins you hold, timing and whether residency matters to you.
- 02
Curated shortlist
Beachfront, city or pre-construction options from sellers and developers open to crypto-funded purchases.
- 03
Legal due diligence
A crypto-friendly Panamanian real estate lawyer verifies title, liens, permits and the developer or seller.
- 04
KYC & source of funds
We help you assemble wallet history and exchange records so compliance checks run smoothly.
- 05
Convert & escrow
Your crypto is converted to USD through a regulated exchange or OTC desk and placed in escrow, at a rate locked when you're ready.
- 06
Close & register
Purchase deeds are signed, funds release from escrow and the title is registered in your name (or your structure's).
// 03 — Our partner network
One point of contact.
Every crypto-friendly partner you need.
We work with all the crypto-friendly banks, lawyers, exchanges and developers required to take your purchase from digital wallet to keys in hand, so you never have to piece the puzzle together yourself.
Jake SmithYour crypto realtorCrypto-friendly banks
Accounts and incoming transfers from exchange proceeds, handled by banks comfortable with digital-asset clients.
Crypto-friendly lawyers
Panamanian real estate counsel experienced with crypto-funded transactions, escrow and residency.
Exchanges & OTC desks
Regulated conversion of BTC, ETH, USDT, USDC, XRP, XLM, HBAR, ICP and more into USD, with clean paper trails.
Crypto-friendly developers
Builders and sellers open to crypto-funded deposits and payment plans on new projects.
// Projects we represent
Jake represents projects from Mercan Properties, Empresas Bern and GLP (Grupo Los Pueblos), across Panama City, the Pacific beaches and the highlands. Browse all projects →
Listing a developer's project doesn't mean that developer accepts crypto directly. Only projects marked "Developer accepts crypto" have confirmed it. For all others, we coordinate a compliant conversion to USD before payment. Other partner names are shared during your consultation.
// 04 — Legal & lawyers
Lawyer-led. Compliance-first.
Every purchase is supported by independent, crypto-friendly Panamanian real estate lawyers. They protect you, not the seller, and make sure your digital-asset funding stands up to bank and registry scrutiny.
Ask about our legal processDue diligence
Title search at the Public Registry, liens, encumbrances, HOA status, permits and developer track record.
Contracts & title
Review of promise-to-purchase agreements, purchase deeds and registration of the title in your name.
Escrow
Funds held in escrow and released only when agreed conditions are met.
KYC / AML & source of funds
Preparing the wallet and exchange documentation banks and notaries need for crypto-origin funds.
Ownership structures
Advice on owning personally or through a Panamanian corporation or private interest foundation.
Residency options
Guidance on investment-based residency programs and current requirements.
// Featured — Pay with crypto
Pullman Hotel & Casino, Panama City
A Pullman-branded (Accor) executive-suites hotel on Via España by Mercan Properties. The developer confirmed it accepts crypto, so you can fund your purchase with BTC, ETH, USDT or USDC.
- 126executive suites
- 53–94 m²per suite
- Floors 17–25360° city views
Via España, Panama City
Casino · Rooftop pool · Restaurants · 24/7 concierge · Room service · Fitness centre · Business centre · Part of the Accor ALL loyalty programme · Hotel-managed rental program
From USD 320K per Mercan
Ask Jake for current pricing & availability.
Launch event highlights: watch on YouTube ↗
How paying with crypto works
BTCETHUSDTUSDC
- Online onboardingA short sign-up with your passport and proof of income.
- Bank compliance reviewThe bank reviews your file before anything moves.
- Source-of-funds checksDue diligence on where your crypto came from.
- Crypto to trustYou send the crypto to a dedicated trust account that funds your investment.
Opening the trust account takes about 3–4 weeks once your documents are in.
Residency through investment
Mercan lists Pullman as eligible for Panama's Qualified Investor Program (QIP), a residency-by-investment route. Crypto funding goes through the trust structure above. The current rules are Executive Decree No. 17 of 8 September 2026, in force 16 September 2026. Rules, thresholds and timelines are set by Panama's government and can change, so get an independent legal review before you commit. Jake can introduce you to crypto-friendly Panamanian lawyers.
Project details are from Mercan's official site (mercan.com) and may change. Images are developer renderings, not photos of the finished building. Nothing here is an offer, investment advice or a promise of rental income or residency.
// 05 — Featured properties
Beach. City. Mountains.
Projects we represent from Empresas Bern and GLP, with "from" prices shown live in BTC, ETH and USDT. Crypto purchase coordinated by Crypto Realtor Panama.
Loading projects…
"From" prices come from developer sources, checked Oct 29, 2026. Prices are subject to change. Verify with Jake.
// 06 — Crypto property calculator
What does your dream property cost in crypto?
Live rates via CoinGecko. Includes a payment-plan splitter for pre-construction deals.
Total in BTC—rate —
Deposit—
Each installment—
USD deposit / installment—
Estimates only. Final amounts depend on the conversion rate, exchange/OTC fees, closing costs and taxes on the day of conversion. Stablecoins reduce price-swing risk between signing and payment.
Lock in a plan — book a consultation
// Free guide
Free Guide: The Crypto Buyer's Guide to Panama 2026
Conversion, escrow, residency routes, territorial tax and a source-of-funds checklist, in one PDF. Instant access.
// 07 — Your agent
Jake Smith
An award-winning RE/MAX agent with 14 years in real estate who is still fully licensed in Toronto, Canada. Jake goes back and forth between Panama and Canada, and in Panama he coordinates your purchase with the developers, so the whole process runs through one trusted contact.
- 14 years in real estate
- 6× RE/MAX Platinum Award
- RE/MAX Hall of Fame
- RE/MAX 100% Club
- RE/MAX Chairman's Club
// Reviews
What clients say
Reviews from Jake's real estate clients in Canada, shown word for word as they appear on jakesmithteam.com. 5.0 Google Rating · 46 Reviews.
★★★★★
“Had a great experience with the Jake Smith Team. Got our house sold! Everyone was courteous, personable and a great to communicate with. I would highly recommend this group to anyone wanting to sell or buy a property.”
Mary Dalton · via Google · Apr 28, 2026
★★★★★
“Jake is the definition of a trustworthy and professional real estate agent. In an industry where there is sometimes a lack there of. I highly recommend!!!”
M R Transport Ltd · via Google · Mar 30, 2026
★★★★★
“Jake was incredible to work with. He was reaponsive, punctual, prepared and always on point with his advice. He has an incredible team of people and network, for example he introduced me to a great broker. I felt incredibly supported throughout the process of finding my dream condo that met all my requirements. Thanks Jake!!”
Tanya Mpala · via Google · Aug 22, 2025
// Live wire
Latest crypto news
Headlines from CoinDesk, Cointelegraph, Decrypt, The Block and CryptoSlate, updated automatically.
// Guides
From the blog
Sourced, plain-English guides for crypto buyers in Panama.
How to Buy Property in Panama with Bitcoin (2026 Step-by-Step Guide)
A practical 2026 guide to buying Panama real estate with Bitcoin: how BTC is converted to US dollars, escrow, title registration, timing and the mistakes to avoid.
Read article
Using USDT and Stablecoins to Buy Panama Real Estate (2026)
Why USDT and USDC are popular for buying property in dollarized Panama, how stablecoin-to-USD conversion works, the risks, and how to plan payments for resale and pre-construction.
Read article
Panama Residency Through Real Estate in 2026: Qualified Investor vs Friendly Nations
The 2026 rules for Panama residency through property: the new Qualified Investor thresholds ($300k new, $500k resale) under Decree 17 of 2026, the $200k Friendly Nations route, and what crypto buyers must watch.
Read article// 08 — FAQ
Questions, answered.
Don't see yours? Ask Jake directly. Every deal is different.
Ask on WhatsAppCan I really buy property in Panama with crypto?
Yes, using crypto as your source of funds. In practice your BTC, ETH or stablecoins are converted to US dollars through a regulated exchange or OTC desk, and the purchase closes and is registered in USD like any other sale. Some sellers and developers will also discuss accepting crypto more directly; your lawyer reviews any such arrangement.
Which cryptocurrencies can I use?
Bitcoin, Ethereum, USDT and USDC are the most common. XRP, XLM (Stellar), HBAR (Hedera) and ICP (Internet Computer) are accepted through coordinated conversion: you pay in XRP, XLM, HBAR or ICP, it's converted, and closing settles in USD (not available for Mercan projects, which accept only BTC, ETH, USDT and USDC). Others such as SOL can often be used if they're first converted through a supported exchange. We confirm what's possible for your specific deal.
Is the property price different if I pay with crypto?
Properties are priced in US dollars. The crypto amount is calculated from the market rate when you convert, so it moves with the market until the rate is locked.
What documents will I need?
Typically a passport, proof of address, exchange account statements, wallet transaction history and records showing how you originally acquired the crypto. A clean trail makes bank and compliance checks much faster.
How are my funds protected?
Funds are placed in escrow and only released when agreed conditions, such as signed deeds and clear title, are met. Your independent lawyer oversees this.
Can foreigners and non-residents buy?
Generally yes. Buyers from around the world purchase in Panama. Some locations, such as certain coastal and border areas, have special rules, which your lawyer will check.
Can buying property help me get residency?
Panama has residency programs with real-estate investment options. Requirements and minimum amounts change, so our legal partners confirm current eligibility during your consultation.
What about taxes?
There are transfer and closing costs in Panama, and selling crypto may be a taxable event in your home country. We recommend speaking with a tax professional before converting large amounts.
How do I start?
Book a free consultation below or message Jake on WhatsApp. We'll map your goals and coins to a shortlist and a step-by-step plan.
// 09 — Free consultation
Book your crypto property consultation.
Tell us a little about what you want. Jake will get back to you to schedule a call, usually by WhatsApp.
- Personalized shortlist of crypto-ready properties
- Step-by-step conversion & escrow plan
- Introductions to crypto-friendly lawyers & banks
- Residency & ownership-structure overview
Jake SmithCrypto Realtor Panama