The Federal Housing Finance Agency, the FHFA just told these mortgage giants to start prepping for crypto payments.
That’s right, your Bitcoin and other coins might soon be part of the home-buying game.
Big game
Now, let me break it down for you like we’re chatting by the water cooler. Fannie Mae and Freddie Mac are government-backed big league players that buy mortgages from banks, bundle them up, and sell them to investors.
This move to include cryptocurrency as a mortgage asset? Oh boy, talking about a game changer.
It’s like telling the old-school mobsters to start accepting Venmo, a little wild, a little thrilling.
FHFA Director William Pulte made the announcement on X, saying this is all about making the U.S. the crypto capital of the world.
He ordered Fannie and Freddie to figure out how to count crypto as a qualifying asset for mortgages.
Imagine Jim from accounting suddenly telling you, hey, your Bitcoin stash counts as collateral now. That’s the kind of shakeup we’re talking about.
Matured asset class
Why does this matter, you may ask? Well, the FHFA believes that by allowing crypto assets, they can better judge loan risks and maybe open the door for more people to own homes.
It’s like expanding the playbook, instead of just cash and stocks, now crypto assets get a seat at the table.
But there’s a catch. The crypto assets have to be held on U.S.-regulated centralized exchanges.
No self-custody wallets allowed. So, if you’re the type who likes keeping your crypto under your own mattress, tough luck.
The FHFA wants to see the receipts, the paper trail, the legit proof that the assets are there and regulated. It’s like saying, we trust you, but only if your accountant is watching.
crypto being accepted as an asset for mortgage is one small step for a man, one giant leap for mankind
— Dominic Ryder | POD 🗳️ (@dominicVEMP) June 25, 2025
Paradigm shift
Reactions? Quite mixed, as you’d expect. Michael Saylor called it a defining moment for Bitcoin’s acceptance in traditional finance.
Bitcoin has been recognized as a reserve asset by the U.S. housing system — a defining moment for institutional BTC adoption and collateral recognition.
— Michael Saylor (@saylor) June 25, 2025
On the other hand, some people grumbled about the centralized exchange rule, saying it’s a bit of a buzzkill for crypto purists.
So, Fannie Mae and Freddie Mac have their marching orders. They’ve got to figure out how to handle this new digital cash flow. Either way, the housing market might never be the same again.
