2026-01-17 17:42:51

Traditional financial institutions are starting to loosen up. Starting next month, a major mortgage institution will officially include Bitcoin, Ethereum, spot ETFs, and USD stablecoins as qualified assets for loans, not only for new home purchases but also for refinancing and other regular products. The interesting part of this decision is that they did not simply and crudely adopt market prices, but instead incorporated volatility considerations into the valuation—indicating that traditional finance, while embracing crypto assets, still maintains its own risk control rhythm. What does this mean? The liquidity and asset attributes of crypto assets are being recognized by mainstream finance. Although the steps are small, the direction is very clear.

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PerennialLeek

· 01-17 18:12

Wait, you can now use cryptocurrencies as collateral for mortgages? Traditional finance must be really panicking now. --- The volatility discount trick is pretty clever, it leaves a way out for themselves. --- Take it step by step, anyway, they finally dare to admit that this thing has value. --- Mainstream recognition is just a matter of time; now that it's out, it's a profit. --- I laughed when stablecoins were the first to be included; they are the real protagonists.

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LiquidityWhisperer

· 01-17 18:06

Wait, can mortgage loans be collateralized with Bitcoin? Is this real or just another marketing gimmick? Traditional finance finally can't hold on anymore, haha. Volatility hedging... They are really cautious, I have to give them a five-star for their risk control awareness. Should I convert all my assets into stablecoins and give it a try? Finally, someone admits that crypto assets are not some cult tokens at all.

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FUDwatcher

· 01-17 18:04

Haha, traditional finance is finally not pretending anymore, gradually bowing down Basically, it's just afraid of volatility, still not completely at ease Wait, if this really gets implemented, we'll have to see what their discount factor is, feels like there's a lot of depth involved

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StableGeniusDegen

· 01-17 18:01

Wait, mortgage can now be collateralized with crypto? Is traditional finance really that desperate? --- Wow, this move—big banks finally stop pretending and officially announce they are crypto-friendly. --- The volatility discount is still the old traditional finance trick, but at least it’s recognized, a positive signal. --- I just want to know how much they will value BTC at, probably not at the current price. --- Now I have two collateral assets for my house—crypto and bricks, both worth the same haha. --- Mainstream adoption is really coming, just expected a bigger step, but better to be cautious. --- Another big institution signals entry, mainstream finance is really moving onto the chain, woohoo.

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RektDetective

· 01-17 17:48

Really? The mortgage institution accepted it so quickly? They even considered volatility factors. Looks like they're not as aggressive as I imagined.

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LiquidityLarry

· 01-17 17:46

Wait, are mortgage institutions really starting to accept Bitcoin? Traditional finance is truly panicking now and has to actively embrace us. --- The volatility discount trick is indeed clever, but this is the beginning of mainstream finance's compromise. --- To be clear—this is a signal that crypto is moving towards institutionalization. Don’t overthink it; just take this opportunity seriously. --- Haha, still daring to mortgage BTC during an interest rate hike cycle, these people are really bold. --- The steps are small but the direction is right. Finally, major institutions are willing to look at us seriously.

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