Saylor Presents Strategy’s Bitcoin Credit Model for American BTC-Supported Mortgage Scheme

Strategy's Executive Chairman, Michael Saylor, has proposed a Bitcoin Credit Model to the Trump administration's Housing Director, intending to bolster Bill Pulte's Bitcoin-backed mortgage initiative. The offer comes as interest grows in utilizing digital assets like Bitcoin in mortgage underwriting. Saylor's model uses Bitcoin to evaluate creditworthiness, focusing on the company's Bitcoin reserves in relation to its liabilities, credit risk based on volatility, and a potential credit spread.

Meanwhile, Strategy's Bitcoin portfolio continues to expand, now worth over $62 billion. The Federal Housing Finance Agency (FHFA) is also contemplating the inclusion of crypto as assets in mortgage reviews, a shift that could significantly alter US housing policy. Critics, however, argue this could add unnecessary risk assessment layers, potentially hindering innovation.