The post “0.1 BTC May Soon Be Worth More Than a U.S. Home” Says Binance Founder Changpeng Zhao appeared first on Coinpedia Fintech News If owning a home in the US is the only dream you have, think again! Binance founder Changpeng Zhao (CZ) believes that owning 0.1 Bitcoin might one day be more valuable than owning a home in the U.S. He shared this bold opinion after a major announcement from U.S. housing officials that could allow Bitcoin to be used as a financial reserve when applying for a mortgage. For CZ, this signals a shift in what the American Dream might look like in the future. Bitcoin for Mortgages? A Big Step Forward On June 26, CZ responded to a post by William J. Pulte, Director at the U.S. Federal Housing Finance Agency (FHFA), who revealed that the housing giants Fannie Mae and Freddie Mac have been asked to prepare proposals for integrating crypto into mortgage qualifications. The ultimate purpose is to allow borrowers to use Bitcoin holdings as proof of financial reserves, something that until now was strictly limited to fiat-based assets like savings, investment accounts, or retirement funds. New Rules, New Opportunities If accepted, the change could redefine how Americans qualify for mortgages, particularly by broadening access for crypto holders. But there are rules: crypto holdings would need to be verifiable, stored on U.S.-regulated exchanges, and subject to risk-based discounts due to volatility. The FHFA sees this move as a way to modernize borrower assessments and bring crypto into the fold of mainstream financial tools. [post_titles_links postid=”475475″] Crypto Reaction CZ applauded the development, calling it a “great step” and boldly claiming that the new American Dream will soon be about owning 0.1 BTC, not just property. The comment sparked wide debate on X, with supporters praising the institutional acceptance of Bitcoin and skeptics warning about crypto’s unpredictable price swings. While some cheered the move like CZ, This is a big step starting an important conversation. @Pulte is the US Director of Federal Housing FHFA. Bitcoin as pristine collateral will make more and more sense to the right people. Imagine your mortgage payment going down overtime naturally. #Bitcoin $MSTR pic.twitter.com/a1s5ffAqvC — AngryBuhda (@AngryBuhda) June 24, 2025 Adding to this, one crypto user has pointed out that under the previous FHFA leadership, Fannie Mae covered mortgage payments even when homeowners defaulted, and no one questioned that policy at the time. With that financial burden set to surface between August and October, the analyst argues that Pulte is simply trying to keep housing transactions alive with the tools he has. This move could be a big moment for the crypto industry in America. It not only shows growing trust in digital assets but also opens the door for other government agencies to accept crypto in more areas of finance. If approved, Bitcoin could soon play a key role in how people buy homes. [article_inside_subscriber_shortcode title=”Never Miss a Beat in the Crypto World!” description=”Stay ahead with breaking news, expert analysis, and real-time updates on the latest trends in Bitcoin, altcoins, DeFi, NFTs, and more.” category_name=”News” category_id=”6″] FAQs What types of cryptocurrencies will be eligible as mortgage reserves? Most likely only Bitcoin and select digital assets held on U.S.-regulated exchanges will qualify, subject to FHFA approval How will crypto volatility affect my mortgage application? Crypto assets will be subject to risk-based discounts, meaning only a portion of their value may count due to price swings. Will using crypto for a mortgage trigger tax events? If you don’t sell your crypto (just use it as a reserve), you likely won’t trigger a taxable event, but consult a tax advisor. Are other countries allowing crypto as mortgage collateral? Some fintech lenders abroad have piloted similar programs, but the U.S. move is the most significant by a major regulator.
