The post the USA revolution led by Cynthia Lummis appeared on BitcoinEthereumNews.com.

In the United States, a new model of access to cryptocurrency mortgages is emerging that could rewrite the rules of real estate credit even in Europe. A revolutionary proposal presented to the Senate opens the door to the use of bitcoin and other digital assets as collateral to obtain a home loan, addressing the growing need of younger generations to leverage their digital savings. Bitcoin and mortgages: the Lummis proposal and the change that divides Senator Cynthia Lummis has promoted the bill known as the “21st Century Mortgage Act”, which aims to make official the orientation of the [Federal Housing Finance Agency (FHFA). In practice, institutions like Fannie Mae and Freddie Mac would be called to also consider assets in cryptocurrencies in the evaluation of mortgage applications. The proposal is recent, presented in 2025, and is currently under discussion in the US Congress. According to a Redfin survey from 2022, in the United States over 12% of buyers under 35 stated that they sold cryptocurrencies to finance the purchase of a home, a percentage that reflects a growing trend among young people. Risks and advantages of a digital mortgage: what you really need to know Accepting digital assets as collateral for the mortgage represents an innovative bet but introduces new risks. The price volatility of cryptocurrencies, often exceeding 10% in a few days, can make the collateral itself unreliable. At the same time, this opening can facilitate access to credit for young people and for those who possess a diversified portfolio of digital assets – a growing segment both in the USA and in Italy. The demand for change also stems from the observation that, to date, a significant portion of personal savings is invested in digital currencies and no longer only in traditional products. What risks are involved? Financial…

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Filed under: News - @ July 30, 2025 10:28 am