Crypto Assets Enter the Mainstream Credit Arena
A landmark shift is unfolding in the U.S. housing finance sector. A major lending institution is now integrating cryptocurrency holdings into mortgage underwriting, allowing borrowers to qualify without selling their digital assets.
No Liquidation Required: A New Loan Paradigm
Breaking from traditional models that prioritize liquidity, this initiative recognizes the financial legitimacy of long-term crypto holdings. Borrowers can now demonstrate financial strength through wallets containing Bitcoin, Ethereum, and other major tokens.
- Underwriting will analyze wallet history, holding duration, and on-chain activity
- Asset valuation uses diversified data sources, not just exchange prices
- Initial rollout targets applicants with strong credit and diversified portfolios
This move reduces tax burdens and market pressure from forced sales, signaling broader institutional acceptance. Experts predict it could inspire widespread adoption across banking and lending sectors.