Coinbase (COIN) Stock Rises as Bitcoin-Backed Home Loans Get Fannie Mae Approval

Key Highlights A groundbreaking partnership between Coinbase (COIN) and Better Home & Finance (BETR) introduces cryptocurrency-collateralized home loans with Fannie Mae’s backing. Homebuyers can use bitcoin or USDC as down payment collateral without liquidating their digital assets. The financing structure eliminates capital gains tax liabilities and margin call risks — crypto price fluctuations won’t trigger additional collateral requirements. Borrowers will pay rates that are 0.5 to 1.5 percentage points above conventional 30-year mortgage rates. Fannie Mae’s acceptance of crypto-collateralized mortgages represents a watershed moment for digital asset integration into traditional finance. Coinbase (COIN) has partnered with digital mortgage provider Better Home & Finance (BETR) to introduce a cryptocurrency-collateralized mortgage offering that enables prospective homeowners to leverage bitcoin or USDC as down payment security, now supported by Fannie Mae. MASSIVE: Fannie Mae will accept crypto-backed mortgages for the first time, allowing Americans to use Bitcoin and crypto as collateral to buy a home. pic.twitter.com/JwkKeD823P — Ash Crypto (@AshCrypto) March 26, 2026 This represents an unprecedented milestone for Fannie Mae, which has never previously endorsed such financial products. As a government-sponsored enterprise regulated by the Federal Housing Finance Agency, Fannie Mae’s participation in U.S. housing finance is pivotal. This endorsement could catalyze broader institutional acceptance. Coinbase Global, Inc., COIN The financing solution targets ordinary homebuyers rather than exclusively serving wealthy individuals. Coinbase characterized the offering as quintessentially accessible to all Americans. According to Better’s CEO Vishal Garg, approximately 41% of American households cannot purchase homes due to insufficient down payment funds. Many prospective buyers possess substantial assets in alternative forms, including cryptocurrency holdings. The m...