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Panama Bitcoin

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, deadline October 15, 2026) or the Friendly Nations Visa ($200K).

Start qualifyingCompare visa options
Panama Bitcoin Real Estate Visa illustration

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.

Qualified Investor Visa
Permanent residency immediately
Deadline October 15, 2026
Minimum real-estate investment
$300,000 (rises to $500,000 after October 15, 2026)
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
Decree 722 of 2020, amended by Decree 193 of 2024
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

Scroll horizontally to compare on small screens.

The $300,000 window closes October 15, 2026.

After that date the Qualified Investor Visa minimum jumps to $500,000 under Decree 193 of 2024. Lock in the current threshold while it is still available.

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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.

Approximate. Helps us tailor the path.

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