The American dream of homeownership has officially collided with the digital gold rush as Fannie Mae begins backing mortgages secured by cryptocurrency assets.
In a landmark shift for the US property market, the government-sponsored enterprise (GSE) has greenlit a partnership between digital lender Better Home and Finance and Coinbase. This move allows prospective buyers to pledge their Bitcoin or USDC holdings as collateral for a down payment rather than liquidating their portfolio. It marks the first time the Federal Housing Finance Agency (FHFA) has overseen a conforming mortgage product that treats tokenised assets on par with traditional cash.
