In the US, the first mortgage deal secured by cryptocurrency and compliant with strict Fannie Mae standards was executed. An initiative implemented by Better Home & Finance with the support of Coinbase allows borrowers to use Bitcoin or USDC Stablecoin as collateral for their down payment. The pioneers were buyers from Ann Arbor, Michigan, who were able to purchase homes without selling their digital assets.

The mechanics of the product are structured into two loans: a standard mortgage and a separate loan with cryptoassets. Coinbase Prime provides infrastructure and treasury storage: funds are frozen for the duration of the contract and returned to the owner upon settlement of obligations. This solution is aimed at customers who want to keep their exposure in cryptocurrency and avoid the tax consequences associated with its implementation, although it adds an extra layer of complexity to the transaction.

After a successful pilot run, full-scale launch of the program throughout the US is expected in summer 2026. Experts note that integration with Fannie Mae’s requirements opens the way for a massive introduction of digital assets into the traditional banking system. If the product becomes widely available, it could be an important precedent for blurring the lines between the crypto market and classic mortgage lending.