बिटकॉइन मार्गदर्शिका

बिटकॉइन मुख्यधारा में प्रवेश करता है—मार्गदर्शिका के माध्यम से

जब मुझे FHFA की घोषणा मिली, तो मैंने अपनी पायथन बैकटेस्ट को रोक दिया। हालाँकि, मुझे कंपनी-चल-उठ-गई (volatility) से प्रभावित हुआ, बल्कि आधुनिक संस्था-आधुनिक प्रयोजन से।

फेडरल हाउसिंग फ़ाइनेंसएजेंसी (FHFA) के प्रमुख, बिल पुलट, 70%अमेरिकी महत्‍वपूर्ण महत्‍वपूर्ण महत्‍वपूर्ण

यह प्रणालीगत परिवर्तन: Fannie Mae & Freddie Mac की सच्‍चीशक्‍తि

आपकोघरईड़ियों सभी ₹100000 BTC \(50k–\)70k $65 million BTC/ETH

खतरा: Volatility & Haircuts (थोड़ा? - Woh Badi Baat Hai)

I’ve audited enough smart contracts to know—no one trusts volatility without safeguards. So yes, if your Bitcoin is used for mortgage approval, expect severe haircuts—think 30–50%. Lenders won’t count your full \(100k BTC stash; they’ll likely base lending on \)50k–$70k after discounting for price swings. But here’s where it gets interesting: stablecoins like USDC or USDT might face fewer restrictions. Their peg-to-dollar stability could make them acceptable even before full regulatory greenlight—especially given their role in DeFi yield strategies already being used by institutions.

Private Players Are Already Ahead (And Making Money) While regulators debate semantics, companies like Milo Credit have been doing this since 2022—offering crypto-backed mortgages without forcing liquidation. They’ve issued over $65 million in loans using BTC and ETH as collateral—with borrowers retaining full ownership while accessing cash flow via high-LTV financing (up to 100%). Yet their loans can’t be sold to Fannie Mae or Freddie Mac—their risk stays on the books. Hence higher rates and tighter terms. This new policy could change that overnight: private innovation meets public validation.

My Take: Crypto Isn’t Just Digital Gold Anymore—it’s Infrastructure Now When I first studied blockchain at LSE, we mocked “crypto real estate” proposals as fantasy economics. Now? We’re building actual financial plumbing with it—as collateral in one of America’s most conservative sectors: housing finance.

This is less about price pumps and more about legitimacy—the final step toward universal adoption: systemic acceptance by legacy institutions that once called crypto ‘speculative nonsense’. even my uncle still thinks Bitcoin is ‘a scam run by tech bros.’ But now his daughter may qualify for her first mortgage using only her BTC holdings—and that changes everything.