D.C.-এর চুপচাপঅপদস্থতা

25শেজুন,ফেডারেলহাউসিংফিন্যান্সএজেন্সি (FHFA) -এরপ্রধানবিলপলট্‌ট্‌ -আমেরিকা-এবৃহতমহোমবিল্ডারদেওয়াভগ্‌নগণকয়ছতদশবছর;Fannie Mae & Freddie Mac -কয়টি Bitcoin -অধিকতথা?

উলটা!খবরটি 60দিনওঅপচয়হওয়াগভীষণ;Bitcoin $107,000+থকছল,মারকট.45%উৎসব!

Fannie Mae & Freddie Mac -কী?

together they back ~70% U.S. conventional mortgages—system is so central that if they move, everything else follows.

Now? They’re being asked to consider Bitcoin as collateral.

Why This Matters More Than You Think

Right now, if you want to use Bitcoin for a down payment, you have to sell it first—convert it into USD—then deposit it into a bank account for at least 60 days to qualify as “mature” funds.

Under Pulte’s mandate? That could change.

The FHFA is evaluating whether crypto can be assessed directly—not via fiat conversion but by valuation methods tailored to volatility: haircuts, holding periods, custody standards… classic risk management tools adapted for digital assets.

Stablecoins like USDC or USDT? Might get special treatment—if regulators trust their reserves and transparency protocols are solid enough.

Private Players Already Ahead of the Curve

While government bodies debate, startups are already deploying real products:

• Milo Credit launched in 2022 offering crypto-backed mortgages; over $65 million issued by early 2025.
• Figure Technologies, led by ex-SoFi CEO Mike Cagney, offers loans up to $20M secured by digital assets.
• Ledn allows users to borrow up to 50% LTV against their Bitcoin holdings via its ‘Savings Account’.

The catch? These loans aren’t eligible for sale back to Fannie Mae or Freddie Mac—and thus lack institutional backing and lower rates come with higher risk and tighter terms due to no systemic liquidity support.

The dream? A future where your BTC stash isn’t locked away—it’s actively working for you through mortgage financing without forced liquidation.

The path ahead is still rocky: regulation lagging behind innovation; price swings threatening loan-to-value ratios; custody concerns lingering across custodianships beyond Coinbase or Ledger levels… after all, I’ve run stress tests on models showing even 15% drops could trigger margin calls if not properly hedged—but that’s what risk modeling is for!

My Take: From Speculation to Infrastructure

I’ve been skeptical about crypto entering traditional finance since I started analyzing blockchains in grad school at Harvard. But this feels different—not because I love Bitcoin—but because I respect process-driven change when it comes from institutions with real teeth, Pulte isn’t some random influencer pushing meme coins—he’s deeply embedded in real estate capital markets; His personal portfolio includes $50–100K worth of BTC and Solana, Plus shares in Marathon Digital Holdings, and past investments in high-volatility stocks like GameStop—so he knows how markets behave under pressure, If he believes we’re ready for this shift… maybe we are—even if only incrementally, The dream? A future where your BTC stash isn’t locked away—it’s actively working for you through mortgage financing without forced liquidation. The path ahead is still rocky: regulation lagging behind innovation; price swings threatening loan-to-value ratios; custody concerns lingering across custodianships beyond Coinbase or Ledger levels… after all, I’ve run stress tests on models showing even 15% drops could trigger margin calls if not properly hedged—but that’s what risk modeling is for! The transition has begun—not with fanfare but with quiet directive from an unlikely corner of D.C., Stay curious—and keep your wallet cold enough that you don’t panic during volatility cycles.