Major shift in traditional lending: A leading mortgage provider will begin accepting Bitcoin, Ethereum, spot ETFs, and USD stablecoins as collateral starting this February. The move covers non-agency lending products including home purchases and refinancing deals. Here's what matters—valuations won't be straightforward. The system will adjust crypto holdings based on market volatility, meaning borrowers can't simply plug in spot prices. This represents a critical bridge between crypto and conventional finance. What started as fringe asset class thinking is now crossing into mainstream mortgage underwriting. For crypto holders, this unlocks new financial utility; for the industry, it signals deeper institutional acceptance.