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Welcome to the US Crypto News Morning Briefing—your essential rundown of the most important developments in crypto for the day ahead.  Grab a coffee as the lines between Bitcoin (BTC) and traditional finance (TradFi) blur unexpectedly. For the first time, US mortgage giants Fannie Mae and Freddie Mac are preparing to accept Bitcoin as an asset in mortgage applications, but there’s a catch! Crypto News of the Day: Bitcoin’s Mortgage Use Marred by Custody Restrictions In a recent US Crypto News publication, BeInCrypto reported that the US housing regulator, FHFA, is exploring using crypto as collateral for mortgages. The FHFA’s consideration of crypto holdings stored on US-regulated exchanges for mortgage loan eligibility, without requiring conversion to USD, signals a potential shift in housing credit models. While this sounds like a win for crypto, experts warn that this milestone may come with strings attached. “It looks like bitcoin held in self-custody will NOT count as an asset for consideration on home loans. This is a mistake Pulte; self-custody is fundamentally aligned w/American values. It’s trivial to prove ownership of BTC in self-custody,” wrote self-custody expert Nick Neuman. Swan, which helps high-net-worth Bitcoiners with advanced custody, estate planning, and concierge onboarding, echoes the sentiment. The Bitcoin financial services firm sees the breakthrough as a double-edged sword. Only Bitcoin held on regulated US custodial platforms currently qualifies. “Bitcoin is being added to the mortgage system. That’s a win, but don’t let it fool you. If your Bitcoin isn’t custodied in a way the state can see, it still “doesn’t exist,” wrote Swan in a post. This means that cold storage and multisig wallets, among other sovereign custody methods, remain invisible to the mortgage system. The distinction highlights a larger debate unfolding at the intersection of crypto (DeFi) and TradFi: Who controls the keys? For now,…

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Filed under: News - @ July 1, 2025 5:27 pm