Ripple CLO Applauds Game-Changing Mortgage Shift for U.S. Crypto Users

Ripple’s Chief Legal Officer, Stuart Alderoty, has praised a new federal directive that could allow millions of crypto holders in the United States to use their digital assets to qualify for home loans. This comes after Bill Pulte, Director of the Federal Housing Finance Agency (FHFA), announced that Fannie Mae and Freddie Mac must prepare to recognize cryptocurrency as part of mortgage eligibility assessments.

According to Alderoty, this development is welcome news for the estimated 55 million Americans who own crypto. The consideration of crypto assets without their transformation to U.S. dollars may allow a wider range of mortgage products to be available not just to the older generations but also to digital token investors.

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The order reflects what Pulte described as part of President Trump’s broader vision to position the United States as the global leader in crypto adoption. In this directive, Fannie Mae and Freddie Mac will be tasked with developing a structure under which Americans will be able to offer their crypto assets as acceptable investments in the mortgage process.

Industry leaders have reacted heavily, with Michael Saylor, cofounder of Strategy and long-time Bitcoin promoter, calling the move a milestone in Bitcoin’s place within the American financial system. He opined that this development might represent the genesis of the use of Bitcoin in the long-term process of wealth creation among ordinary Americans.

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Analyst Eric Coleman added that the inclusion of Bitcoin and other cryptocurrencies as mortgage collateral reflects a shift in how traditional finance perceives digital assets. He noted that this could increase approval rates for first-time buyers who hold significant value in crypto rather than traditional savings.

Nevertheless, there are issues concerning implementation, as the crypto must be listed on centralized exchanges like Coinbase, raising concerns about user control and asset security. Others have cited the volatility of digital currencies as a risk to both lenders and borrowers.

Nonetheless, despite these doubts, the order has been treated optimistically by the key stakeholders in the crypto sector. It is an indicator of increasing regulatory acceptance and may promote the integration of blockchain-based assets into conventional banking systems faster than ever.

The Ripple CLO’s endorsement of this mortgage shift highlights the expanding role of crypto in U.S. finance. As agencies begin to design practical systems, this move may redefine how Americans use digital assets to achieve homeownership.

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