A pivotal shift in financial policy has emerged: The Federal Housing Finance Agency (FHFA) now requires mortgage giants Fannie Mae and Freddie Mac to develop plans for accepting cryptocurrency as collateral. This groundbreaking move bridges decentralized wealth with traditional home financing, enabling borrowers to leverage blockchain-based assets for mortgages.
US Regulator Approves Crypto as Mortgage Collateral
The FHFA’s directive mandates that approved U.S. exchanges hold crypto collateral, eliminating the need for borrowers to liquidate their digital assets. Key highlights:
- Ark Invest CEO Cathie Wood endorsed the policy, citing its potential to unlock mortgages for crypto investors historically sidelined by traditional lenders.
- Criticism exists over the centralized exchange requirement, which some argue contradicts crypto’s decentralization ethos.
- Safeguards include volatility discounts and board oversight to mitigate market risks.
"This policy solves a critical barrier for crypto holders whose net worth is concentrated in digital assets." — Cathie Wood
Bitcoin Price Analysis: Key Levels to Watch
Bitcoin’s daily chart reveals two critical thresholds:
- Resistance at $109K: Sellers have consistently defended this level since June’s rally.
- Support at $100K: Buyers actively stepped in here during the June 22 dip.
Outlook:
- A breakout above $109K with high volume could signal bullish momentum.
- Failure to breach resistance may retest $100K support.
Top 3 Cryptos to Buy Amid Regulatory Shifts
With crypto gaining utility in mainstream finance, these tokens stand out for their real-world applications:
1. Bitcoin Hyper
👉 Bitcoin Hyper enhances Bitcoin’s scalability via a Layer 2 solution, integrating Solana Virtual Machine (SVM) for faster transactions.
- Why Invest? Regulatory tailwinds boost Bitcoin’s liquidity, positioning Bitcoin Hyper for growth.
- Unique Offer: Combines meme culture with cross-chain utility.
2. Snorter Token (SNORT)
Powers the Snorter Bot, a Telegram-based trading terminal for Solana meme coins.
- Advantages: Low fees, sniper tools, and plans to expand to other blockchains.
- Tokenomics: 25% allocated to development, ensuring long-term viability.
3. Best Wallet Token ($BEST)
A multi-chain wallet token offering fee discounts and presale access.
- Utility: Seamless DeFi integration and high-security key management.
- User Base: 250K+ monthly active users.
FAQs
Q: How does crypto collateral work for mortgages?
A: Borrowers pledge crypto held on regulated exchanges, avoiding asset sales. Lenders apply volatility discounts to manage risk.
Q: Why is Cathie Wood bullish on this policy?
A: It addresses systemic exclusion of crypto investors from traditional home loans.
Q: Which cryptos benefit most from this shift?
A: Tokens with high liquidity, compliance features, and real-world use cases (e.g., Bitcoin Hyper, $BEST).
Conclusion
The FHFA’s move signals crypto’s maturation into core finance, emphasizing utility over speculation. Investors should prioritize projects with robust ecosystems and regulatory alignment—these will thrive in the new era of crypto-backed loans.
👉 Explore Bitcoin Hyper’s potential here.
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- Bitcoin price analysis