9d • General discussion
CLARITY ACT and Crypto-backed Mortgages!
Hey all, long time since I have posted but something worth noting that took place on 3/27/26 and is now in motion to pass Congress (clarity act)
Here is the inside scoop provided by Coinbase:
Fannie Mae will now accept cryptocurrency-backed mortgages for the first time, via a new product from Better Home & Finance Co. (BETR) and Coinbase that lets borrowers pledge bitcoin or USDC as collateral for their down payment on a conforming loan.
We believe the structure is very important. While these are still Fannie Mae–eligible mortgages, meaning they sit inside the same underwriting framework as traditional loans, this vehicle shifts a portion of the borrower’s equity into segregated digital asset collateral. This follows last year’s directive from the Federal Housing Finance Agency (FHFA) asking Fannie Mae and Freddie Mac to study how crypto holdings could count as mortgage reserves, and represents one of the first concrete implementations of that review.
In our view, the signal here is less about immediate volumes - which we think are likely to be small and constrained by conservative haircuts and custody requirements - and more about creating a major housing-finance benchmark explicitly recognizing digital assets in its risk models.
For crypto markets, this is another data point in a broader shift from price speculation toward balance-sheet utility. Allowing borrowers to use BTC or USDC as pledged collateral (rather than selling it) incrementally reinforces the narrative of crypto as productive collateral and deepens the link between onchain wealth and the real economy, particularly U.S. housing.
Over time, this can support structural demand for high-quality assets like BTC and USDC, but it also creates a new channel through which crypto becomes more cyclical, tying it more directly to the U.S. rates and housing cycle. In a macro environment defined by rising inflation uncertainty, we think developments like this strengthen the long-run case for crypto, even if the near-term price impact is modest and broader risk sentiment remains driven by energy prices, policy expectations, and positioning across multi-asset portfolios.
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CLARITY ACT and Crypto-backed Mortgages!
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