Bitcoin is no longer just an investment vehicle; it's becoming the key to home ownership. In the US, the Trump administration has officially given the green light for Fannie Mae and Freddie Mac to accept cryptocurrencies as mortgage collateral.
🔹 The Federal Housing Finance Agency (FHFA), in a directive issued on June 25, 2025, ordered Fannie Mae and Freddie Mac to consider crypto assets in mortgage risk assessments. This decision completely reversed the previous policy that disqualified cryptocurrencies from mortgage applications.
🔹 In March 2026, Coinbase and Better Home & Finance launched the first crypto-collateralized mortgage product supported by Fannie Mae. This model allows investors to purchase homes by using their Bitcoin or USDC as collateral without having to sell it.
🔹 However, a value reduction due to volatility applies: only $40-50,000 of a $100,000 Bitcoin is considered collateral. Furthermore, assets must be held on US-licensed exchanges such as Coinbase, Kraken, or Gemini; cold wallets are excluded.
🔹 On the other hand, pioneering crypto mortgage providers like Milo have been offering alternative models accepting self-custody wallets since 2022 and have already reached over $100 million in loan volume.
Living without selling, earning by holding. Do you think the crypto mortgage model will create a lasting transformation in the real estate market? $BTC
住宅ローンと暗号通貨の融合
ビットコインはもはや投資手段だけではなく、住宅所有の鍵となりつつある。米国では、トランプ政権が正式にフェニーメイとフレディマックに暗号通貨を住宅ローンの担保として受け入れることを認めた。
🔹 連邦住宅金融庁（FHFA）は、2025年6月25日に発行した指令で、フェニーメイとフレディマックに暗号資産を住宅ローンリスク評価に考慮するよう命じた。この決定は、暗号通貨を住宅ローン申請から除外していた以前の方針を完全に覆すものだった。
🔹 2026年3月、米国の大手取引所がBetter Home & Financeと提携し、フェニーメイ支援の暗号担保住宅ローン商品を初めて発売した。このモデルでは、投資家はビットコインやUSDCを担保にして住宅を購入でき、売却する必要はない。
🔹 依然としてボラティリティ割引が適用されており、ビットコインの価値の約40-50%がローン評価に反映される。さらに、資産は自己管理ウォレットではなく、規制された米国のライセンスを持つプラットフォームに預けられている必要があり、連邦の枠組みの下で資格を得る。
🔹 一方、Miloのような先駆的な暗号住宅ローン提供者は2022年から自己管理ウォレットを受け入れており、代替の道を提供し、すでに総ローン額は1億ドルを超えている。
売らずに持ち続けて稼ぐ。暗号住宅ローンモデルは不動産市場に持続的な変革をもたらすと思うか？
$BTC
Bitcoin is no longer just an investment vehicle; it's becoming the key to home ownership. In the US, the Trump administration has officially given the green light for Fannie Mae and Freddie Mac to accept cryptocurrencies as mortgage collateral.
🔹 The Federal Housing Finance Agency (FHFA), in a directive issued on June 25, 2025, ordered Fannie Mae and Freddie Mac to consider crypto assets in mortgage risk assessments. This decision completely reversed the previous policy that disqualified cryptocurrencies from mortgage applications.
🔹 In March 2026, Coinbase and Better Home & Finance launched the first crypto-collateralized mortgage product supported by Fannie Mae. This model allows investors to purchase homes by using their Bitcoin or USDC as collateral without having to sell it.
🔹 However, a value reduction due to volatility applies: only $40-50,000 of a $100,000 Bitcoin is considered collateral. Furthermore, assets must be held on US-licensed exchanges such as Coinbase, Kraken, or Gemini; cold wallets are excluded.
🔹 On the other hand, pioneering crypto mortgage providers like Milo have been offering alternative models accepting self-custody wallets since 2022 and have already reached over $100 million in loan volume.
Living without selling, earning by holding. Do you think the crypto mortgage model will create a lasting transformation in the real estate market?
$BTC