Bitcoin’s potential recognition in U.S. mortgage applications marks a pivotal redefinition of acceptable assets, signaling a break from long-held standards tied exclusively to fiat wealth. Binance co-founder and former CEO Changpeng Zhao (CZ) reacted on June 26 to a groundbreaking directive from U.S. housing authorities that could allow bitcoin to be used as mortgage reserve capital.

His comments on social media platform X came in response to a post by William J. Pulte, Director of U.S. Federal Housing Finance Agency (FHFA), who revealed that Fannie Mae and Freddie Mac had been instructed to prepare for cryptocurrency integration. Zhao stated:

This is great to see, BTC count as assets for mortgage! The current American Dream is to own a home. The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the U.S.

Pulte framed the move as part of a broader push to make the United States “the crypto capital of the world.”

Currently, borrowers must demonstrate fiat-based liquid reserves, often held in checking or savings accounts, investment portfolios, or retirement funds, for mortgage qualification—digital assets are excluded unless converted to cash. The FHFA directive represents a break from this practice, requiring Fannie Mae and Freddie Mac to formulate proposals allowing crypto as a reserve asset—provided holdings are verifiable, stored on U.S.-regulated centralized exchanges, and subjected to risk-based discounts.

The agency emphasized that including digital assets could enhance borrower assessments and broaden access to homeownership. Skeptics warn of crypto’s volatility and its uncertain regulatory status, but backers argue the FHFA’s move is a significant institutional nod to digital asset legitimacy. By integrating oversight and cautious risk modeling, proponents believe this change could establish a precedent for other federal agencies weighing the broader role of cryptocurrencies in the U.S. economy.

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