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
房贷遇上加密货币
比特币不再只是投资工具；它正成为实现房屋自有的关键。在美国，特朗普政府已正式批准房利美（Fannie Mae）和房地美（Freddie Mac）接受加密货币作为抵押贷款的担保品。
🔹 联邦住房金融局（FHFA）于2025年6月25日发布的一项指令中，要求房利美和房地美在抵押贷款风险评估中考虑加密资产。该决定完全推翻了此前将加密货币排除在抵押贷款申请之外的旧政策。
🔹 2026年3月，一家美国主要交易所与Better Home & Finance合作，推出首个由房利美支持、以加密货币作抵押的抵押贷款产品。该模式让投资者无需出售，即可使用比特币或USDC作为抵押来购买房屋。
🔹 仍然保留波动性折扣：大约40-50%的比特币价值计入贷款评估。此外，资产必须存放在受监管、持牌的美国平台上，而不是自我托管钱包，才能符合联邦框架的要求。
🔹 与此同时，像Milo这样的开创性加密抵押贷款提供商自2022年以来就一直接受自我托管钱包，提供了另一条路径，并且贷款总规模已超过1亿美元。
无需出售，持有即可获利。你认为加密抵押贷款模式会在房地产市场带来持久的变革吗？
$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