FHFA go count Bitcoin & Ethereum as Mortgage Reserves
For June 26, 2025, FHFA talk say Fannie Mae and Freddie Mac go dey accept Bitcoin (BTC) and Ethereum (ETH) balances wey dey for US-regulated exchanges as reserves for single-family mortgage risk checks without make dem convert am to USD. Dem dey try do am small small: only tokens wey dey regulated platforms fit qualify, and lenders must put extra risk measures, tighter document work and value checks. Wallets wey no get control no fit enter, and crypto no fit be direct collateral. Dem don start the implementation. Meanwhile, JPMorgan go allow some big money clients use crypto ETFs, including Bitcoin ETFs, as collateral for funding, and USDC go fit use as futures collateral for 2026. Private lenders like Ledn don already dey offer crypto-backed mortgage plans with BTC and ETH. Dis plan dey bring digital assets and normal finance join, fit make crypto mortgage demand increase and boost hybrid DeFi-finance products.
Bullish
Accept BTC and ETH as mortgage reserves dey increase di real-world use for these tokens, e fit drive more inflows and demand. For short term, lenders and high-net-worth people go adjust to di new collateral options, e go support crypto market liquidity. For long term, wider institutional acceptance plus hybrid DeFi-finance products fit make price more stable and promote steady growth.