Mainstream US lending institutions take the first shot: directly recognizing crypto assets as collateral

HashBandit · 2026-01-16T07:00:10+00:00

Newrez announces recognition of cryptocurrencies for mortgage loans without the need to convert to fiat currency first, marking a shift in traditional financial institutions' attitude towards cryptocurrencies. This provides token holders with a new way to utilize their assets and may encourage more institutions to follow suit, expanding liquidity application scenarios for cryptocurrencies.

HashBandit

2026-01-16 07:00:10

Abstract generation in progress

【Crypto World】Major US lending institution Newrez is making a big move. Starting from February, they will officially recognize cryptocurrency assets as eligible collateral for loans, and there’s no need to sell the coins first to convert into USD. What does this mean? Holders finally don’t have to struggle with the dilemma of “either collateralize fiat or sell coins for cash.”

In simple terms, this is a olive branch extended by traditional finance to the Web3 world. As a mainstream financial institution in the US, this move is quite significant—it breaks the traditional banking system’s cold attitude towards crypto assets. Although it’s just one institution’s action, the signal it sends is strong: the financial attributes of crypto assets are being reevaluated by the mainstream system.

For users, this opens up new ways to utilize their funds. In the future, more institutions may follow suit, and the liquidity application scenarios for crypto assets will also expand.

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BlockchainNewbie

· 21h ago

Wow, finally mainstream institutions are taking a bite of this? Newrez's move is brilliant, directly recognizing the coin without selling, now holders can breathe a sigh of relief. Wait, I'm just worried that there might be some tricks when they evaluate the price later... Mainstream finance is now respectful and compliant, which means the crypto world has really risen. This feeling is like the thrill of betting on the right direction. Is it real? Or is it just another media hype? We’ll have to wait until February to see how the actual operations go. Haha, it seems that cryptocurrencies are still good stuff, even banks recognize them, giving them full confidence. But a single institution's follow-up isn't really useful; we need the big players to come in before it’s truly a win. Now, wealthy investors with no place to spend their money can start playing, and liquidity is about to get lively again. Honestly, from being ignored to being recognized, the mainstream has finally surrendered this time.

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MEVictim

· 21h ago

Wait a minute, does Newrez really dare to play like this? Traditional finance has finally become more compliant. But speaking of which, with such large fluctuations in the coin price, how do they calculate the collateral ratio? Now holders can breathe a sigh of relief, no need to be forced to sell off their assets. Mainstream institutions are opening the window, and surely others will follow suit. Nice words, they just want to come in and suck blood. Finally, the day has come, it feels like a reversal is happening.

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HalfIsEmpty

· 21h ago

Finally, the day has come. Newrez really dares to cut into it Mainstream finance is starting to bow down Now you can directly mortgage your coins, no need to cut losses and cash out… awesome The signal is here, will other institutions be far behind Wait, could this be another new trick to harvest the leeks Waiting for big institutions to follow suit, this is true adoption By the way, will the coin price soar because of this positive news Finally no need to be forced to sell coins, hold tight Skeptical if the interest rates will be insanely high This is a watershed moment, it feels like the landscape is about to change

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GateUser-ccc36bc5

· 21h ago

Finally, institutions are willing to take the plunge, and Newrez's move is hugely significant. No need to sell collateral tokens; this is the gameplay we want. Traditional finance is truly slowly moving towards us; the trend has shifted. Honestly, with Newrez leading the way, there will definitely be a bunch of followers behind, this is the trend. Wait, with such large price fluctuations, how do they set the prices? Is risk control okay? But on the other hand, this is the right development direction; coexistence is possible. The key question is when will the domestic market follow? It all depends on the US taking the lead. Actually, I'm more concerned about how high the LTV can be set—50 or 60? This wave is a good opportunity that can't be missed, but the implementation details are the key. By the way, will there be a bunch of institutions following suit by the end of the year?

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MerkleMaid

· 21h ago

Wait, is Newrez really going to accept cryptocurrencies as collateral? No need to sell the coins first? If this actually happens, it will be quite interesting. Finally, major institutions are willing to face reality. Bitcoin is not just a money laundering tool; why does it have to be converted into USD to be considered money? Mainstream finance is bowing to us, it feels a bit like a dream... If other banks follow suit this time, crypto liquidity will skyrocket. But it depends on how the approval process goes; don’t cause any more trouble. It’s about time. Traditional finance has been too arrogant.

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