Fannie Mae, Coinbase, and mortgage lender Better Home & Finance have teamed up to let homebuyers use Bitcoin or USDC as collateral for a down payment without having to sell their crypto. Key points: 1. Borrowers pledge Bitcoin or USDC as collateral, keeping their assets intact and avoiding a taxable event. 2. Unlike typical crypto lending, there are no margin calls, if Bitcoin drops in value, the mortgage terms remain unchanged and no extra collateral is required. 3. Mortgage rates will run 0.5–1.5 percentage points higher than standard loans. 4. Borrowers face liquidation risk only after a 60-day payment delinquency, similar to conventional mortgages.(Lark Davis)