RootData免费推送:提交首发融资信息,审核通过后即可享App推送服务。 [立即联系]

US home mortgage regulator to recognize crypto assets in risk assessments

Cointelegraph

2025-06-26 03:53:25

分享至

The government-sponsored enterprises (GSEs) of Fannie Mae and Freddie Mac will soon begin counting cryptocurrencies as assets in their risk assessments for single-family home loans, marking a significant step toward the mainstream acceptance of digital assets under US President Donald Trump’s administration.

The directive was issued Wednesday by William J. Pulte, the current director of the Federal Housing Finance Agency (FHFA), which regulates both GSEs. 

The FHFA has overseen Fannie Mae and Freddie Mac since 2008, when both institutions were placed under government conservatorship in the aftermath of the financial crisis.

Pulte said the decision to include cryptocurrencies as part of the mortgage risk assessment came “after significant studying” and aligns with President Trump’s goal to make the United States the global crypto capital. 

News Image

The decision means cryptocurrencies will be considered a reserve asset for loan borrowers without having to convert those assets into US dollars, as was previously the case. 

Fannie Mae and Freddie Mac have played a critical role in the US housing market since the subprime mortgage crisis, providing liquidity and stability by purchasing mortgages from lenders, which enables lenders to issue more loans.

Crypto is gaining acceptance as mainstream collateral in the United States

The decision to recognize cryptocurrencies as collateral in the mortgage process reflects the growing mainstream acceptance of digital assets in the United States. 

As reported by Cointelegraph, JPMorgan is planning to allow select wealth management clients to use crypto-based products, such as Bitcoin (BTC) exchange-traded funds (ETFs), as collateral for financing.

In a separate development, Circle’s USDC (USDC) stablecoin is set to become eligible collateral for futures trading starting next year, through a joint initiative by Coinbase Derivatives and Virginia-based clearinghouse Nodal Clear.

Though niche, there’s already a market for crypto-backed mortgage loans, which allow crypto holders to use Bitcoin and Ether (ETH) to finance real estate transactions. 

Mauricio Di Bartolomeo, co-founder of Bitcoin lending platform Ledn, told Cointelegraph that many Bitcoin holders have used their digital assets as collateral to purchase real estate, without selling any of their holdings.

Magazine: Crypto wanted to overthrow banks, now it’s becoming them in stablecoin fight

最近融资

查看更多
2 亿美元 07-11
-- 07-11
-- 07-11

近期发行Token

查看更多
07-09
07-07
07-03

𝕏 最新关注

查看更多
07-10