The Federal Housing Finance Agency (FHFA) has made an important decision regarding the use of cryptocurrencies in mortgage lending.
Historic FHFA Decision
On June 25, 2025, the FHFA signed a directive allowing Fannie Mae and Freddie Mac, cornerstones of the US housing finance system, to consider cryptocurrencies in mortgage risk assessments.| CITE_NA "This is an important step towards integrating crypto assets into the traditional financial system."
Conditions for Including Cryptocurrencies
According to the directive, crypto assets can be accepted as reserves only if they meet certain criteria. They must be held on regulated US crypto exchanges and should be backed by documentation. Both institutions will also create internal risk assessment systems that account for the volatility and fluctuations of crypto assets.
Impact on the Mortgage Market
This decision opens up opportunities for crypto investors; however, it does not yet mean that cryptocurrencies can be used as mortgage collateral. Along with increased liquidity and flexibility in the mortgage system, it highlights an important regulatory milestone in the integration of cryptocurrencies into the traditional financial environment.
The FHFA's decision to include cryptocurrencies in mortgage lending could have a significant impact on the market, creating new opportunities while requiring further steps for full integration of crypto assets.
