{"id":51661,"date":"2025-10-06T07:57:24","date_gmt":"2025-10-06T07:57:24","guid":{"rendered":"https:\/\/crypto-globe.com\/?p=51661"},"modified":"2025-10-06T08:09:35","modified_gmt":"2025-10-06T08:09:35","slug":"cryptocurrencies-and-mortgages-from-problem-to-emerging-trend","status":"publish","type":"post","link":"https:\/\/crypto-globe.com\/en\/cryptocurrencies-and-mortgages-from-problem-to-emerging-trend\/","title":{"rendered":"Cryptocurrencies and Mortgages: From Problem to Emerging Trend"},"content":{"rendered":"\n

Author: Ali Daylami, Head of Data Analytics at BITmarkets<\/strong><\/p>\n\n\n\n

\"Author\"<\/figure>\n\n\n\n

The relationship between mortgage banks and clients who use crypto is undergoing a fundamental shift. Not long ago, banks treated cryptocurrency trading<\/a> as a risk comparable to gambling. Today, forward-thinking institutions are instead introducing products and solutions designed to turn the mortgage\u2013crypto dynamic into a win-win scenario. <\/p>\n\n\n\n

Analysts at BITmarkets<\/a> have examined which countries and institutions allow investors to leverage crypto as an advantage and traced the trends shaping this market.<\/p>\n\n\n\n

In Europe\u2014particularly within the European Union\u2014a conservative stance from traditional banks still prevails when it comes to mortgage financing. The most progressive players, according to the analysis, are concentrated in the United States<\/a>. <\/p>\n\n\n\n

Beyond the U.S., institutions in Singapore (DBS Bank), Japan (Mizuho Bank, SBI Sumishin Net Bank), and Switzerland (AMINA Bank) also stand out for their openness to crypto.<\/p>\n\n\n\n

The U.S. at the forefront<\/strong><\/p>\n\n\n\n

While transactional account reviews used by banks to vet clients no longer penalize crypto activity at most institutions, the use of cryptocurrency<\/a> as collateral for housing loans is only beginning to take hold. The U.S., however, has been moving faster. As early as 2022, fintech and real estate firm Milo announced it would begin offering mortgages backed by bitcoin<\/strong>. At the time, Milo CEO Josip Rupena said the model would allow clients to access mortgage financing at lower interest rates.<\/p>\n\n\n\n

This path has favored specialized fintechs focused directly on crypto-backed mortgages<\/strong>. Alongside Milo, key names include Ledn, Nexo, Salt, and Mercury Bank, which caters to corporate clients and, in particular, startups.<\/p>\n\n\n\n

Major banking houses are no longer staying on the sidelines either. Goldman Sachs began accepting bitcoin<\/a> as collateral as early as 2022. And in June this year, JPMorgan Chase announced it would also begin issuing loans secured by cryptocurrencies and would factor in clients\u2019 crypto holdings when assessing creditworthiness.<\/p>\n\n\n\n

Legislative groundwork for crypto in mortgages<\/strong><\/p>\n\n\n\n

One of the most significant steps toward cementing the role of crypto<\/strong> in housing finance is a new U.S. mortgage bill requiring crypto assets to be considered when evaluating loan eligibility.<\/p>\n\n\n\n

The proposal, introduced in late July<\/a> by Senator Cynthia Lummis, targets government-sponsored enterprises Fannie Mae and Freddie Mac, with the aim of bolstering stability, liquidity, and accessibility in the mortgage market. The two agencies are tasked with drafting rules on how cryptocurrencies should be counted as part of borrowers\u2019 assets.<\/p>\n\n\n\n

Under the plan, Fannie Mae and Freddie Mac would recognize cryptocurrencies held on U.S.-regulated exchanges as part of an applicant\u2019s portfolio. Borrowers could then use these holdings to strengthen their creditworthiness without liquidating them into dollars.<\/p>\n\n\n\n

The main consideration for new rules will be how to account for the volatility of cryptocurrencies, as sudden price changes could affect collateral levels. In practice, this can be addressed relatively simply \u2014 by holding more crypto than the required minimum. A similar model is already in use by the Czech-Slovak startup Firefish, which provides loans secured by bitcoin<\/strong>. At the same time, only cryptocurrencies actively traded on exchanges would be eligible.<\/p>\n\n\n\n

The rapid integration of crypto into mortgages reflects two realities: the growing weight of crypto assets in investor portfolios and the mounting pressure traditional banks face from nimble non-bank fintech rivals. In the end, the real winner is the borrower\u2014gaining wider access to mortgage products and a broader range of financing options.<\/p>\n\n\n\n

About BITmarkets<\/strong><\/strong><\/p>\n\n\n\n

BITmarkets<\/a> is a cryptocurrency exchange that offers 24\/7 support in more than 10 languages. Traders can engage in trading over 200 cryptocurrencies<\/a>, as well as gain access to daily market updates and diverse educational materials. Security is a top priority at BITmarkets, with 99.9% of client funds held in cold storage. BITmarkets continues to reshape the way digital assets are used by both retail and institutional clients, focusing on making cryptocurrency more accessible, straightforward, and better connected to the broader financial world. Learn more about BITmarkets\u2019 license and regulatory framework<\/a>, and for general information, visit www.bitmarkets.eu<\/a> or the exchange\u2019s listing on CoinMarketCap.com<\/a>.<\/p>\n\n\n\n

Contact:<\/strong>
support@bitmarkets.com<\/a>
marketing@bitmarkets.com<\/a><\/p>\n\n\n\n

Spot trading services are provided to you by UAB BITmarkets, an authorised virtual currency exchange and depository virtual currency wallet operator in Lithuania operating under the registration No. 306062346, supervised by the Financial Crime Investigation Service, and operating under the trademark BITmarkets.<\/em><\/p>\n\n\n\n

We value the trust placed in the BITmarkets brand. Please be cautious of fraudulent websites, communications, or social platforms impersonating BITmarkets or using similar branding (such as our name or logo). Always verify the URL and ensure you are interacting only through our official channels. BITmarkets will never request sensitive information via unofficial or unsolicited messages. If in doubt, contact us through our official support<\/em> contact<\/em>.<\/em>Crypto assets are unregulated, decentralised and highly volatile assets that entail substantial risks, and investors may lose all invested capital.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Author: Ali Daylami, Head of Data Analytics at BITmarkets The relationship between mortgage banks and clients who use crypto is undergoing a fundamental shift. Not long ago, banks treated cryptocurrency trading as a risk comparable to gambling. Today, forward-thinking institutions are instead introducing products and solutions designed to turn the mortgage\u2013crypto dynamic into a win-win […]<\/p>\n","protected":false},"author":2,"featured_media":51638,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[162],"tags":[99,268,93],"class_list":["post-51661","post","type-post","status-publish","format-standard","has-post-thumbnail","category-crypto","tag-bitcoin-en","tag-bitmarkets-2","tag-cryptocurrencies"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t