Changes are taking place in the US housing finance market, where cryptocurrencies are being recognized as official assets. Government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac have decided to include cryptocurrencies as assets in single-family mortgage loan assessments. This is part of the US digital asset institutionalization movement led by the Trump administration and is considered a symbolic milestone in cryptocurrency's integration into the institutional framework.
This policy was officially announced on the 3rd (local time) by William J. Fult, the current director of the Federal Housing Finance Agency (FHFA). The FHFA is the agency that supervises Fannie Mae and Freddie Mac, which came under government management in the aftermath of the 2008 financial crisis.
Director Fult emphasized that "this measure was a decision made after extensive analysis and research" and that "it is also aligned with President Trump's national strategy to make the United States the global cryptocurrency center." He explained that cryptocurrency circulation volume, holding records, and liquidity levels will be included as new loan risk assessment items.
As a result of this measure, major cryptocurrencies such as Bitcoin (BTC) and Ethereum (ETH) are expected to have their asset value recognized in future single-family mortgage assessments in the US. In particular, borrowers who hold large amounts of cryptocurrencies are likely to be able to obtain loans under more favorable conditions than before.
The real estate and fintech industries view this announcement as a decisive opportunity to accelerate the institutional entry of cryptocurrency assets. A financial consulting firm representative stated, "Potential cryptocurrency investors are no longer at a disadvantage in mortgage assessments" and predicted that "the influence of cryptocurrencies in the housing finance market will gradually expand."
During President Trump's tenure, the US administration has been accelerating support for blockchain technology and the cryptocurrency industry. Recently, Trump has publicly stated his intention to make the US the "world capital of AI and cryptocurrencies." This measure is also interpreted as a policy direction that embraces individual asset diversification in line with this trend.
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