CryptoNewss

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Crypto investors shouldn't be treated like pariahs when getting a mortgage, but new plans from U.S. regulators are a huge mistake.
In an extraordinary policy shift, the U.S. Federal Housing Finance Agency has said borrowers may soon be able to use crypto investments to qualify for mortgages.
Michael Saylor could barely contain his glee when details of the order emerged — describing it as “a defining moment for collateral recognition.”
Then again, this is pretty unsurprising considering he was reckless enough to suggest consumers should take out mortgages to invest in Bitcoin.
The plans were put forward by FHFA director Bill Pulte, who himself is a substantial investor in digital assets. Sharing the proposal on X, he wrote:
“After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.”

But at this point, it’s worth taking a huge step back — and considering the potential ramifications that this policy could have on homeowners and the economy.
We all know how volatile Bitcoin can be. It’s accelerated from $61,000 to $107,000 over the past 12 months. Such dramatic price movements also work both ways, with a devastating plunge from $68,000 to $16,000 back in 2022.
Embracing BTC as collateral would mean enthusiasts no longer need to convert their coins back into dollars, but can retain them in the hope of future price rises. On the flipside though, there is a real risk that a homeowner’s crypto stash could be liquidated in the event of a sudden downturn. Put another way, it would mean slavishly monitoring prices to prevent a devastating margin call.

Digital assets are also a pretty impractical source of funding for a house purchase. When fiat is used, applicants may only need a 5% to 10% cash deposit — meaning they can borrow the rest and make monthly repayments. By contrast, most crypto mortgage providers require 100% collateralization. In other words, if you’ve got your heart set on a $300,000 house, you’d need to pledge $300,000 of coins. It’s also worth noting that lenders typically only accept BTC and ETH, meaning that your DOGE bags wouldn’t get you very far in the application process.
Critics are already sharing fears that injecting crypto into the housing market could contribute to a 2008-like financial crisis, where a slew of high-risk mortgages defaulted and sparked a global recession. Given the U.S. government implicitly guarantees home loans issued by Fannie and Freddie Mac, there’s also a real danger that an implosion in Bitcoin’s value could end up costing taxpayers.

Are There Any Benefits?
In the interests of balance, it’s important to acknowledge the pain points that crypto investors currently face as they try to get on the property ladder — a substantial challenge as house prices continue to spiral out of control.
For one, lenders in some countries actually penalize applicants if transactions involving crypto exchanges appear on their statements. That’s grossly unfair, and an outdated mindset that urgently needs to change.
Many banks are also incredibly inflexible when considering income sources — especially when it comes to the self-employed. Someone working as a sole trader with an income of $100,000 could end up being able to borrow substantially less than a full-time employee with an identical salary.
A few years ago, data from Redfin also revealed that about 12% of first-time buyers were selling crypto in order to finance their downpayment. Given how Bitcoin’s value has risen markedly since then, this means they will have missed out on a substantial amount of profit.
Josip Rupena, CEO of the crypto mortgage firm Milo, recently told Mortgage Professional America:
“There’s a lot of clients that have amassed Bitcoin wealth from over 10 years ago, when Bitcoin was trading at $100. Now, Bitcoin trading is at $85,000. It’s become a significant portion of their net worth, and they don’t want to sell it.”
It’s unacceptable for crypto investors to be treated like pariahs by lenders. Everyone needs a home. But these guidelines put forward by the FHFA actually have the potential to endanger these Bitcoin holders, and put the economy at risk by tying the fates of digital assets and traditional finance even closer together.
Bitcoin’s looking rosy right now — and pushing $108,000. But what will happen in the next bear market, when there’s a real chance of an 80% crash, and what would it mean for the homeowners who have a roof over their heads because of their crypto stash?

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Listen, cool news from the world of crypto — and this time from Jerome Powell himself, the head of the US Federal Reserve System. He recently told the Senate that bitcoin and other cryptocurrencies have reached maturity and have become much more popular. Can you imagine? A man who used to be pretty cool about crypto now admits that the industry has grown.
It all happened on June 25 during his speech before the Senate Banking Committee. Senator Cynthia Lummis asked him a specific question: what has changed since 2023, when the Fed issued a rather strict policy on stablecoins and crypto assets? Then, let me remind you, they said that the issue of tokens in open and decentralized networks is most likely incompatible with secure banking practices.
But now it's a completely different mindset. Powell acknowledged that the industry has matured and regulators' understanding has improved. Moreover, he bluntly said that the Fed is reviewing those decisions and statements that were made in the “Biden era” — that is, about 2-3 years ago. Regulators no longer look at the crypt as something outlandish and threatening.
Powell also noted an important thing: banks have the right to work with cryptocurrencies if they do it competently and safely. That is, the very fact of working with the crypt is no longer considered something dangerous by default. The main thing is that everything should be within the framework of reasonable regulation.
He explained that the policy statement on section 9(13) (the same document referred to by Lammis) is not purely about the crypt, but part of a broader regulatory framework. But the crypt is one of its key elements. This means that the revision of this section can seriously affect the rules of the game in the market.
So if the Fed does change policy, it will be a kind of “official recognition" of cryptocurrencies as a mature part of the financial system. In general, this can give a strong impetus to banks, funds and other players to enter the crypto market more actively.
And so I sit and think:
Is this a step towards the full integration of crypto into the global economy, or just another political gesture? What do you think?
#CryptoNewss #crypto #JeromePowell #Stablecoins

Listen, an interesting thing has happened in the world of cryptocurrencies: Hong Kong has officially allowed the first broker from mainland China to trade digital assets. This broker is Guotai Junan Securities (Hong Kong), a subsidiary of the large financial structure Guotai Junan International, which operates in mainland China.
What happened? They were granted an updated license from the Hong Kong Securities and Futures Commission (SFC). Previously, this company already had a type 1 license — it allowed trading in ordinary securities. Now they have been officially allowed to trade cryptocurrencies, and in full compliance with local laws and as part of an agreement with licensed virtual asset platforms. That is, their customers can now buy and sell bitcoins, ethereums and stablecoins through this platform — absolutely legally.
This is actually a big step — and not just for the company. Hong Kong has long sought to become a crypto hub in Asia and create a transparent and reliable market for digital assets. And the approval of such a major player suggests that the region is betting on institutional investors, not just retail traders.
Moreover, it is also a political signal. Although China maintains a tough position within the country towards cryptocurrencies, it makes it clear through Hong Kong that digital finance is the future, and it cannot be abandoned altogether. A kind of "dialogue" is beginning between traditional banks and the cryptocurrency sector, but within the framework of strict regulation.
So, in fact, Guotai Junan became the first to follow this new route. And, most likely, others will catch up with them.
Now the question is: if even such large and cautious players as Chinese brokers start entering the crypt legally and with regulatory approval, maybe this is a sign that the crypt is really becoming part of the future financial system?
#CryptoNewss #cryptocurrency #HongKong #crypto

A recent statement by Hester Pierce, one of the commissioners of the U.S. Securities and Exchange Commission (SEC), that repayment in kind for cryptocurrency exchange-traded funds (ETFs) "just around the corner" has attracted the attention of investors and analysts around the world. This statement fueled discussions around the possibilities and limitations that may arise when the rules for bitcoin ETFs, in particular, change.
What is repayment in kind?
Before delving into Pierce's comments, let's take a look at what "repayment in kind" means. In the context of ETFs, this means that investors can receive assets (such as bitcoins), rather than money, when withdrawing funds. In the case of cryptocurrencies, this would be a significant change from the current practice, when investors receive fiat money (for example, dollars) instead of bitcoins.
Companies like BlackRock have been lobbying for the SEC to allow in-kind repayment for their bitcoin ETFs for a long time. They believe that this will improve liquidity and allow for more efficient trading of such funds. At the moment, when an investor decides to withdraw their funds, the funds must buy bitcoins, sell them on the market and transfer the equivalent in fiat money.
Why is this important?
Allowing in-kind repayment will open up new opportunities for crypto ETFs. The current model, which requires the exchange of bitcoins for cash, limits the flexibility of funds and may create additional risks. Analysts such as James Seyfarth of Bloomberg Intelligence argue that this will allow funds to trade much more efficiently, as they will be able to directly manipulate assets rather than dealing with the intermediate steps of exchanging for money.
Why is the SEC delaying the decision for so long?
The main reason why the SEC has not yet allowed repayment in kind is due to concerns about the volatility of cryptocurrencies and the threat to investors. However, with the development of the market and increased interest from major players such as BlackRock, the SEC's attention is shifting towards changing approaches. Pierce confirmed that changes can be expected on the horizon, and this is likely to happen, but the timing remains uncertain.
How does this relate to the political situation?
Interestingly, the SEC's position on cryptocurrencies has changed with the arrival of new administrations. Under the Trump administration, the regulator was more loyal to cryptocurrency initiatives than under the Biden administration. After the change of government, companies seeking to create and launch cryptocurrency ETFs began to face more stringent requirements and questions from the SEC.
According to analysts, the likelihood that the SEC will approve such applications in the future is growing every year. Some experts even estimate the probability of approval of a crypto-ETF at 90% or higher.
What does this mean for cryptocurrencies?
If the SEC does allow in-kind repayment for crypto ETFs, it could be an important step in integrating cryptocurrencies into traditional financial markets. Investors will not only be able to buy and sell bitcoins through ETFs, but also be able to receive the cryptocurrency itself when withdrawing funds. This, in turn, can contribute to deeper liquidity and stability of the cryptocurrency market.
A question to ponder
However, one important question remains: What do you think is needed for the SEC to definitively resolve such a model, and how will this affect the future of cryptocurrency ETFs?
#SEC #CryptoNewss #ETFs #crypto

While the broader crypto market is riding a wave of optimism, Pi (PI) is facing a crucial test. Despite an impressive 24% rally in just one week, Pi's market structure remains bearish – and the $0.64 resistance zone has become a key barrier.

🚀 A 24% Surge Fueled by Bitcoin's Momentum
Since June 24, Pi has seen significant recovery, following in the footsteps of Bitcoin, which jumped more than 6.4%, rising from $100,900 to over $107,400. This bullish sentiment opened the door for smaller altcoins like Pi to make gains.
But while Bitcoin seems poised to challenge $110,000, Pi is struggling to keep up. The primary culprit: lack of buying demand, making a pullback more likely than a breakout.

📉 Technical Signals Still Favor the Bears
On the daily chart, Pi’s trend remains clearly bearish. Indicators like moving averages and the MFI (Money Flow Index) show sellers are still in control. With an MFI reading of 31, bearish momentum dominates, although recent days have shown slight improvement.
Interestingly, there is a bullish divergence between the price action and the MFI – while price hit lower lows, the MFI formed higher lows. This divergence sparked the 24.1% price rally we’re currently witnessing.

⚠️ Trading Volume Lags Behind
Despite the sharp rise, trading volume remains weak. The OBV (On-Balance Volume) indicator is still far below previous peaks, suggesting most of the buying is liquidity-seeking, not strong investor conviction.
This is supported by the fact that open interest in futures rose over 30%, equaling a $3.6 million increase. This points to speculative traders entering long positions, hoping for a quick breakout.

💡 Negative Funding Confirms Bearish Sentiment
Another warning sign: funding rates have been negative since June 24 – short positions are paying longs, highlighting bearish dominance in the market.
Unless Pi can sustain a break above $0.64, the odds favor a return to the downward trend. A clear push above the $0.65–$0.70 range would invalidate the bearish outlook and suggest a real trend reversal.

✍️ Summary:
🔹 Pi Coin gained 24% over the past week but is struggling at the $0.64 resistance.

🔹 Technical indicators remain bearish – weak volume and negative funding persist.

🔹 Open interest surged by over 30%, but the rally appears speculative.

🔹 A breakout above $0.70 could flip the trend bullish – otherwise, downside risk looms.

🔎 Question for Readers:
Do you think Pi can break through the $0.64 resistance and start a new bullish trend?

#pi , #picoin , #PiNetwork , #CryptoNewss , #CryptoAnalysis

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🚀 Bitcoin’s $BTC Next Breakout? Bull Flag Signals $140K on the Horizon!
Bitcoin appears to be warming up for another big move—and technical analysts are watching closely. The formation of a bullish podium-style flag hints that BTC$BTC could be preparing to surge as high as $140,000 in the coming months.
According to a new report, the current consolidation phase—shaped like a clean bull flag—echoes patterns seen during previous breakouts. This setup, combined with macro momentum, strong ETF inflows, and increased whale accumulation, paints an exciting picture for the second half of 2025.
📉 Still consolidating? Yes.
📈 Losing steam? Not even close.
📊 With Bitcoin holding key support zones and pushing higher highs, the road to $140K may just be starting.
🔥 Will this be Bitcoin’s$BTC
podium moment?
Let me know your take—bullish or cautious?
#bitcoin in #CryptoNewss #BTC140K #BinanceWriteToEarn🔥 e2Earn #CryptoTrends2024 ading #TA #BullishFlag #BTCBreakoutWatch