বিটকয়েন আপনার মর্টগেজে?

নীচুতেই ভূমিকম্প

একটি শান্তবৃত্তির (Tuesday) tweet-এই, Bill Pulte, Federal Housing Finance Agency (FHFA)-এর Head-এর, ‘আবহাওয়া’ Bitcoin-কে Home Loan-এর Collateral-হিসাবে accept करা होगा—ভাবছি?

আমি 2 a.m.-তে cold brew-এ sipping-kore, portfolio-de staring kore jokhon news pailam। Heart skip na korle bhi ekta pause holo। Surprised na holeও, market 2.2% up hoye jai—kintu eti… inevitable laglo।

Why This Is Different

দু’দশকধরে cash or traditional securities only were considered as “proof of wealth” in mortgage underwriting। Now system ask: What if digital assets are just another form of capital?

Implication economic naki cultural?

Fannie Mae & Freddie Mac: Gatekeepers

Fannie Mae & Freddie Mac—জনগণ for most people not well-known—but they control ~70% U.S. mortgages.

Think them as financial glue: private lenders issue loans → sell to Fannie/Freddie → package into bonds → resell globally.

If they accept crypto as collateral? That changes everything.

You can’t walk into bank tomorrow and get loan by staking BTC—but the door is open now. And that’s more powerful than any price rally.

The Hidden Layer: A Family Man With Crypto in His Portfolio?

Here’s where it gets personal—and slightly surreal. Bill Pulte isn’t some anonymous bureaucrat. He’s the grandson of William J. Pulte, founder of one of America’s largest homebuilders. And yes—he personally holds \(500K–\)1M in Bitcoin and Solana. He owns shares in Marathon Digital (a major U.S.-based miner). He once invested in GameStop like everyone else during the meme frenzy. So when he says ‘let’s study this,’ he’s not just speaking policy—he’s speaking from experience.* The man who built homes also believes digital assets are part of future wealth. That shift? It’s contagious.

How Would It Actually Work?

The same logic applies to stablecoins like USDC or USDT—but their regulatory fate remains uncertain unless transparency improves drastically. The dream is closing that gap—with systemic trust replacing speculation.