Cryptocurrency exchange Coinbase will allow qualified borrowers to pledge digital assets to fund Fannie Mae-backed mortgage apartments beginning this summer.
In a notice, Coinbase and its partner, Better Home & Finance, said the mortgage structure plan launching “by summer 2026” will allow borrowers to initially use Bitcoin or USDC as collateral for loans to fund down payments for homes.
The initiative, first announced in March, represented a significant shift in companies allowing digital assets to be used for financing houses.
Better CEO Vishal Garg said in a March post on X that the initiative expands access for qualified borrowers whose wealth is tied up in assets that traditional mortgage systems often overlook.
The move by Coinbase and Better reflects a more crypto-friendly stance from US regulators under the Trump administration, with growing acceptance of digital assets in traditional finance.
In June 2025, the US Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to consider crypto holdings in mortgage risk assessments without converting them to fiat.
However, concerns over Bitcoin’s volatility remain, while some lawmakers have accused FHFA Director Bill Pulte of being unduly influenced by President Donald Trump in backing such policies.
And now they will be able to pledge it to buy a home. @coinbase @tinmanAI $betr This isn’t a niche thing. It’s what everyone is going to do once most financial assets are tokenized. It’s just a better way to buy a house. It’s what I wanted in 2013 when I went to buy a place and… https://t.co/sZj782f5v2
— Vishal Garg (@vishal_better) March 31, 2026
The first ever Fannie Mae-insured mortgage backed by BTC in the U.S just got funded.
Originated and serviced by Better, powered by Coinbase.
Rolling out nationwide this summer. https://t.co/Arj4NfAlkn
— Coinbase 🛡️ (@coinbase) June 4, 2026
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