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Better and Coinbase close first Fannie Mae-conforming mortgage backed by Bitcoin collateral in the US

AI Market Summary
Better and Coinbase closed the first Fannie Mae-conforming US mortgage using BTC (and USDC) as down-payment collateral under FHFA's 2025 rule allowing regulated-exchange crypto as qualifying reserves. The 2.5x overcollateralization and exclusion of self-custody/DeFi concentrate flows into compliant venues but represent a meaningful bridge between crypto wealth and US housing finance, increasing institutional legitimacy while introducing mortgage-system exposure to BTC volatility.
Impact level
● High
Affected assets
BTC/USDT+2.15%
AI Insight · BTC/USDTAI Insight
▲ Bullish
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In June 2025, the Federal Housing Finance Agency (FHFA) issued a rule allowing Fannie Mae to treat Bitcoin and other crypto assets held in custody at licensed U.S. centralized exchanges as qualifying reserve assets. Under that framework, Better and Coinbase completed the first Fannie Mae-compliant mortgage in the U.S. in early July 2026, with a borrower using Bitcoin and USDC to collateralize a $100,000 down payment without selling the assets. The product requires 2.5x overcollateralization and accepts only BTC/USDC held on regulated platforms such as Coinbase, excluding self-custody and DeFi assets. A nationwide rollout is planned for summer 2026.
USDC
USDC+0.00%
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