My passion as an economic and business journalist is to unearth the trends that are rewriting the rules of the game. I am fascinated by how the futuristic vision of cryptocurrencies and blockchain technology intertwines with the traditional market, and today, dear readers, we have news that not only confirms a trend but catapults it to the stratosphere of financial reality.
Not long ago, the idea that my Bitcoin holdings could influence a mortgage in the United States sounded like science fiction. I myself have analyzed that distant dream in my columns, debating volatility and lack of regulation as insurmountable obstacles. Well, prepare for a dramatic turn, because that 'future vision' that I talk so much about is already here, and it is a tangible reality!
Thanks to a crucial directive from the U.S. Federal Housing Finance Agency (FHFA) – yes, the agency that oversees giants like Fannie Mae and Freddie Mac – my dear #Bitcoin❗ and other #Criptomonedas are no longer just volatile digital assets; they will now officially be considered in risk assessments for single-family home mortgage loans. This is not a rumor, it is an order dated June 25, 2025!
For me, this is an earthquake in the financial landscape. It is no longer about a few companies experimenting on the periphery. Now, the pillars of the U.S. mortgage market are obligated to integrate my crypto assets into the analysis of my economic capacity. This means that if I have a significant portion of my wealth in Bitcoin or Ethereum, for example, it could improve my credit profile and facilitate access to that coveted mortgage loan. It is an institutional validation that, frankly, many of us expected but did not know when it would arrive.
Yes, the shadow of volatility is still there. My concern about how a sudden drop in the value of Bitcoin could affect the 'real' weight of my monthly mortgage does not disappear magically. However, the fact that such regulated entities are willing to navigate these waters, imposing safeguards and operating under a legal framework, shows unprecedented maturity in the integration of cryptocurrencies. It’s not that they are converting dollars into Bitcoin for the mortgage, but they recognize the value of what I already have in my digital wallet.
This is a bold and decisive step that changes my perspective as a journalist and as an investor. We are no longer talking about 'potential' or 'projections', but rather about an official implementation that validates wealth in the digital space. It is the recognition that the economy does not only move in dollars and euros, but also in satoshis and ethers.
So, the big question that resonates in my mind and that I leave for collective reflection is: Will we soon see a real backing from the Federal Reserve in #bitcoin ?
✍🏻 Manuel Salazar. Economic Journalist.
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