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A Big breakthrough has just Arrived for Bitcoin and the crypto industry of one of the most influential financial regulatory authorities in the United States. The Federal Housing Finance Agency (FHFA), which supervises the largest mortgage providers in the country, has issued a directive that could Change how digital assets are viewed.
According to this directive, mortgage liquidity providers were officially ordered to start the preparations for the consideration of cryptocurrencies as part of the asset portfolio of a liability company during mortgage evaluations.
Crypto as eligible for assets
In A recent message about the Social Media Platform X, FHFA director Bill Pulte, has issued a guideline in which Fannie Mae and Freddie Mac are instructed to prepare proposals with which home buyers are able to count cryptocurrency interests that are held on the us-regulated exchanges as part of their Activa reserve reserve.
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Crypto assets are always excluded from mortgage risk assessments, unless they are converted into US dollars before they are closed. However, this recent movement breaks that barrier. This policy shift corresponds to the campaigns of former President Donald Trump to set up the United States as the crypto capital of the world. Pulte, who was recently sworn in as the 5th director of the American federal housing FHFA in March 2025, is now part of those who take steps to realize this vision.
According to the order, both Fannie Mae and Freddie Mac must also take into account market volatility and enforce strong risk-based adjustments before the new assessment method is implemented. Fannie and Freddie are companies sponsored by the government that themselves do not give mortgages, but play an important role in the housing market by buying home loans on the secondary market and determining the criteria for the loans they want to acquire.
Bitcoin to benefit the most, but where is XRP?
Bitcoin will benefit the most from this policy update. As the largest and most kept cryptocurrency, Bitcoin has long been considered the digital gold standard, making it a natural candidate for institutional recognition.
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The established presence on exchanges regulated by the US and deep liquidity profile via spot Bitcoin ETFs tap almost every box that is recorded in the FHFA guideline.
However, the decision increases An important question for XRP holders Or the same regulation will be expanded to XRP. Unlike Bitcoin, XRP has had a complicated history with regulatory authorities in the US, in particular the SEC. Although Recent legal clarity The crypto has allowed around XRP To resume trade Large American exchanges, it is not really certain whether Fannie Mae and Freddie Mac will quickly record it under this new guideline.
Nevertheless, the FHFA directive does not specify eligible to Tokens. It simply refers to cryptocurrencies that are kept on fairs regulated by the US. As such, the guideline can quickly be in the US, in addition to Bitcoin, cryptocurrencies, such as XRP and Ethereum. Other countries are already far ahead with XRP in real estate. In Japan, for example, Open House Group allows XRP payments to purchase real estate in cities such as Tokyo and Osaka. Dubai is too using the XRP whides To make real estate.
Featured image of Pixabay, graph of TradingView.com