Federal Housing Finance Agency approves cryptocurrencies as equity for mortgages

Under President Trump's Federal Housing Finance Agency (FHFA), crypto stocks are to be recognized as security for mortgages among the state-funded mortgage giants Fannie Mae & Freddie Mac.

Under the direction of William Pulte, the Federal Housing Finance Agency (FHFA) ordered Fannie Mae & Freddie Mac in the future into account crypto stocks in their mortgage risk reviews. The measure fits Trump's vision of making the USA a “crypto hub in the world”. In the future, borrowers can present cryptocurrencies such as Bitcoin as part of their wealth situation-provided these are on regulated US exchanges such as CNBC reported.

Trump's crypto vision: from Memecoins to reserve fund

The arrangement is part of a crypto strategy comprehensive in Trump: its Executive Order 14178 ban Digital central bank currencies (CBDCs), established one Bitcoin-Reservefonds and brought his “crypto czar” into office. Also Trumps Memecoin And his Defi project World Liberty Financial shows how close politics and digital assets are intertwined today.

With the new approach, private individuals and companies that have invested in cryptocurrencies can get a mortgage more easily because their digital investment serves as proof of assets. The FHFA emphasizes that only transparently detectable reserves – and their volatility – are taken into account. However, it remains unclear how banks rate the strong price fluctuations and liquidity risks.

Influence on the housing market and regulation

By including crypto assets, more creditworthy mortgages could apply for. This works as an impulse for the US apartment market inhibited by high interest rates. At the same time, the FHFA cultivates a framework that anchor digital assets in the long term as legitimate assets in the financial system. The arrangement reflects Trump's long-term agenda to systematically integrate digital assets: not only tech startups, but also banks, mortgage institutions and paving creditors must recognize digital assets as value-with legal standards and disclosure obligations.

Should the model prove itself in the United States, other countries with advanced crypto regulation such as Switzerland, Singapore or the United Arab Emirates could follow. Especially in regions with high crypto adoption and real estate demand, the recognition of digital assets in the credit system could open up new financing options.