March 26, Coinbase and Better launched Bitcoin/USDC-backed mortgages under Fannie Mae standards. Borrowers can use crypto as collateral for down payments without liquidation.
$XRP has officially broken above its 66 day descending trendline, signaling a potential shift in momentum.
A bullish development that many XRP holders will be watching closely.
#Boerse Stuttgart and Tradias merger
#Crypto-backed mortgages launch
#Crypto-backed mortgages expand
[Topics in the Past Hour] • Coinbase partners with Better to enable BTC and USDC as collateral for home loan down payments • Middle East conflict escalates: U.S. military launches large-scale airstrike on Iran; Iran retaliates with missile attack on U.S. military base in Saudi Arabia
Everyone’s excited about Bitcoin mortgages right now, but most of them still lock you into the same old 30-year debt trap. Plus, you have to deal with: > Higher rates (0.5–1.5% above normal) > Low 40% LTV (post $100K for $40K) > Rehypothecation? Bitcoin only helps you get in the house, not out of the mortgage. That's integration NOT innovation ❌ Here's better options: Self-Repaying Mortgage (SRM) > 100% LTV (1:1) require > 3-6% APR at 33% LTV > No liquidation risk Bitcoin Mortgage Reserve (BMR) > 500% LTV (20% of home price) > Turn $BTC into an equity engine > Wipe out debt in 9 years (30% CAGR) USE your Bitcoin! No margin calls. No rehypothecation. No liquidation risk. No decades of being stuck. Bitcoin isn’t just a way to buy a home anymore. It's access to the lowest interest rates. It’s fastest way to own home free & clear. Innovation > Integration ⚡ Build Wealth Smarter.
Fannie Mae is now backing a model where Bitcoin can be used as collateral to buy a house. Not sell it. Not cash out. Just… use it. A new structure is emerging: your mortgage stays traditional, but your down payment can come from borrowing against Bitcoin—via players like Coinbase and Better. For years, Bitcoin holders had 2 choices: sell and trigger taxes, or hold and do nothing. That was the tradeoff. Now there’s a third option: leverage it. Keep your BTC, access cash, and step into real estate. This isn’t new. The wealthy have done this forever with stocks—never sell, just borrow. Bitcoin is just… entering that system. And that’s the part people are missing. Because once Bitcoin becomes acceptable collateral—especially inside Fannie Mae-backed structures—it stops being just “digital gold.” It becomes part of the credit system. But here’s where it’s different from the old crypto playbook. This isn’t BlockFi-style leverage. No daily margin calls tied to BTC price swings. Still… that doesn’t mean no risk. Miss payments? You can lose your Bitcoin. The risk didn’t disappear. It just changed shape. And if this model scales, something bigger happens. Bitcoin doesn’t just sit in wallets anymore. It gets integrated into traditional finance—packaged, underwritten, standardized. That’s powerful. But it also raises a question. Bitcoin was built to sit outside the system. So what happens when it gets pulled inside? Because the moment you borrow against it, you’re not just holding Bitcoin anymore. You’re participating in the system it was meant to replace.
FANNIE MAE-ELIGIBLE CRYPTO MORTGAGES ARE HERE 🏠️ A new product from Better + Coinbase lets buyers use $BTC or $USDC as collateral for a second loan to fund the down payment -- without selling their crypto. And it meets Fannie Mae standards, meaning it can be bought and securitized like traditional mortgages. This is the shift. Crypto isn’t just being traded -- it’s being integrated into real-world credit markets. If this scales, your crypto becomes collateral for life assets, not just something you sell to spend.
🕗 KuCoinTR Today – March 27, 2026 • Historic Decision: Fannie Mae announced it will begin accepting cryptocurrency assets as collateral for mortgages for the first time—a major step toward mainstream adoption. • MARA Holdings: Sold 15,133 $BTC to repurchase $1 billion in bonds; the stock price rose positively in response.
Peter Schiff warns that using Bitcoin as equity for a mortgage loan exposes lenders to significant risk, as a BTC crash could lead to total loss of collateral. #CryptoTeam #cryptocurrencies #Bitcoin
What is BMR? Bitcoin Mortgage Reserve (BMR) is an innovative feature within the Bitcoin Powered Mortgage (BPM) umbrella. It allows homebuyers or refinancers to leverage Bitcoin without selling any of it. Instead of a traditional cash down payment, you contribute $BTC to a dedicated BMR escrow account. This Bitcoin then grows over time and builds equity in the home, ultimately helping to fully repay the mortgage decades early. You own your home free and clear much sooner (often projected in 8–9 years instead of 25–30). Sound money collateral accelerates ownership ⚡ Build Wealth Smarter.
BREAKING: 🔥 THIS CHANGES EVERYTHING While the market sits at Fear & Greed 13 and crypto traders debate the next crash, the U.S. government has officially recognized #Bitcoin as real estate collateral. Fannie Mae—the Federal National Mortgage Association—with over $4 trillion in assets and more than 50% market share in U.S. mortgages, now accepts Bitcoin and $USDC as collateral for home loans. Coinbase and Better Home & Finance have launched the product live. You want to buy a home in the U.S. and need a 20% down payment. Instead of selling your Bitcoin, you pledge it as collateral through Coinbase Custody. You receive a separate loan against your $BTC for the down payment—plus a standard Fannie Mae mortgage over 15 or 30 years. No sale. No taxable event. The most surprising part: No margin calls. If $BTC drops 50%? Your loan terms remain unchanged. No margin requirements, no forced liquidation. Default only occurs after 60 days of missed payments—just like any conventional mortgage. The premium: 0.5 to 1.5 percentage points above the standard 30-year rate. What almost no one is reporting: FHFA Director Bill Pulte instructed Fannie Mae and Freddie Mac as early as June 2025 to treat crypto assets traded on regulated U.S. exchanges as eligible reserve assets in mortgage risk assessments—without mandatory conversion to U.S. dollars. The U.S. government initiated this. Coinbase and Better Home are now implementing it. Vishal Garg, CEO of Better Home, made it clear: The infrastructure is built for every tokenized asset—Ethereum, Solana, tokenized stocks, funds, even IRA accounts will follow. Every BTC pledged as mortgage collateral is removed from the tradable supply—for 15 to 30 years. Structural demand, completely independent of market cycles. Fannie Mae has set the precedent. If the world’s largest mortgage lender accepts Bitcoin as collateral, every commercial bank can now follow suit. I’ve examined this—and I see: We are witnessing the transition of crypto from a speculative asset to an infrastructure class. And there’s no going back. In Germany, we’re still debating whether crypto should be regulated. In the U.S., you’re now buying your house with it.
