美国拟将加密货币列为房贷抵押品

Core Viewpoint - The FHFA has directed Fannie Mae and Freddie Mac to prepare for recognizing cryptocurrency as an asset for mortgage applications, aligning with the vision of making the U.S. a "cryptocurrency capital" [1][2] Group 1: Regulatory Changes - The directive indicates a significant shift in asset verification standards for mortgage qualification, potentially increasing access for buyers with cryptocurrency assets [1][3] - The FHFA's move is seen as a response to the declining mortgage application numbers amid a housing crisis in the U.S. [2][3] Group 2: Market Impact - Following the announcement, Bitcoin reached a historic high of $108,000, while Ethereum and Solana experienced slight declines [2] - The recognition of cryptocurrency could open up substantial federal loan opportunities, as evidenced by the 760,000 personal housing loans worth $230 billion issued in 2024 [3] Group 3: Challenges and Considerations - The volatility of cryptocurrencies poses risks, with significant price fluctuations complicating the risk assessment models for loans backed by such assets [4] - Experts caution that borrowers using cryptocurrencies as collateral must maintain thorough transaction records due to the potential for rapid changes in net worth [4]