Changpeng Zhao, founder of Binance, said that a move for Fannie Mae and Freddie Mac to count bitcoin as a mortgage asset signals a shift in the American Dream. The statement was made on X.
"This is great to see, BTC count as assets for mortgage," said Zhao. "The current American Dream is to own a home. The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the US."
Recent U.S. government actions indicate a potential policy shift in mortgage lending. According to Business Insider, the Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to draft plans allowing cryptocurrency assets—if held on U.S.-regulated exchanges—to be counted in single-family mortgage assessments. This initiative marks the first time federally backed mortgage institutions may accept digital assets, reflecting a growing recognition of crypto’s financial role. The move is part of broader debates on digital asset regulation, amid both optimism for broader homeownership and concerns over crypto volatility.