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
房貸遇上加密貨幣
比特幣不再只是投資工具；它正逐漸成為房產所有權的關鍵。在美國，特朗普政府已正式批准房利美（Fannie Mae）和房地美（Freddie Mac）接受加密貨幣作為抵押品。
🔹 聯邦住房金融局（FHFA）於2025年6月25日發布指令，要求房利美和房地美在房貸風險評估中考慮加密資產。此決定徹底扭轉了之前將加密貨幣排除在房貸申請之外的政策。
🔹 2026年3月，一家美國主要交易所與Better Home & Finance合作，推出了第一款由房利美支持的加密抵押貸款產品。此模式允許投資者使用比特幣或USDC作為抵押品購房，而無需出售資產。
🔹 目前仍有波動折扣：約40-50%的比特幣價值計入貸款評估。此外，資產必須存放在受監管、持牌的美國平台上，而非自我保管錢包，以符合聯邦框架的規定。
🔹 同時，像Milo這樣的先驅加密抵押貸款提供商自2022年起就接受自我保管錢包，提供另一條途徑，並已累計超過1億美元的總貸款額。
不賣出持有，靠持有賺錢。你認為加密抵押貸款模式會在房地產市場帶來持久的變革嗎？
$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