BREAKING: A Document Has Been Released That Could Affect the Fate of Cryptocurrencies in the USA! A Historic Turning Point?

2025-06-25 11:07:48

The Federal Housing Finance Agency (FHFA) ( signed a historic directive with its decision dated June 25, 2025. FHFA instructed Fannie Mae and Freddie Mac, the cornerstones of the U.S. housing finance system, to include cryptocurrencies in their risk assessment process for single-family home loans.

According to the decision signed by FHFA Director William J. Pulte, Fannie Mae and Freddie Mac will now be able to take into account cryptocurrencies held in regulated exchanges based in the U.S. that can be stored without being converted into dollars in their mortgage risk assessments.

FHFA aims to provide greater liquidity and flexibility in the mortgage system with this step, as well as to expand the range of assets in reserves and support long-term sustainable homeownership.

According to the directive:

Cryptocurrency assets can be considered as directly acceptable reserve assets.
Crypto assets will only be evaluated if they can be stored on US-based and regulated exchanges.
Both institutions will create their own internal risk assessment systems, taking into account the volatility of crypto assets and market fluctuations.
Any application changes will have to be approved by the board of directors of the institutions and submitted to the FHFA.

This directive indicates that for the first time in the US, cryptocurrencies may be officially considered as an “asset” in the mortgage lending system. This could create new opportunities for crypto investors in acquiring mortgages. However, only cryptocurrencies held on regulated exchanges and documented as proof will be accepted. Although the directive does not yet mean that cryptocurrencies can be used as collateral, it signifies that an important regulatory threshold has been crossed.

*This is not investment advice.

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