mortgage

According to Cointelegraph, the "2025 Digital Wealth Report" released by Xapo Bank in Gibraltar shows that the usage pattern of its Bitcoin mortgage loan business is shifting from short-term liquidity to long-term financial planning.The report states that 52% of the Bitcoin mortgage loans issued by the bank in 2025 have a loan term of 365 days, and even as new loans slow down within the year, these long-term loans remain outstanding. The bank's CEO, Seamus Rocca, stated that increased confidence in Bitcoin's long-term prospects is prompting holders to choose borrowing over selling, indicating a shift from short-term speculation to long-term thinking. The report notes that although the pace of loan issuance slowed in the second half of the year, the outstanding loan balance continues to grow, suggesting that borrowers are using loans as a long-term tool.

According to market news, Norwegian listed company K33 has announced the launch of a crypto loan service backed by Bitcoin and Ethereum, initially open to a select group of qualified clients, with loans issued in stablecoins such as USDC.K33 stated that it will also include its own holdings of Bitcoin in the service operation, creating a revenue-generating digital asset solution.

According to Cointelegraph, major U.S. lending institution Newrez announced plans to recognize crypto assets for mortgage qualification in the U.S. starting in February, without the need to liquidate.

The U.S. President Trump announced that he will launch a $200 billion mortgage-backed securities (MBS) purchase program to lower mortgage rates and alleviate the housing affordability crisis. This move is seen by the market as Trump directly pushing his "personal version of quantitative easing (QE)" beyond intervening in the Federal Reserve's rate-cutting process.Trump stated on Truth Social that he has "instructed relevant representatives to purchase $200 billion worth of mortgage bonds" to reduce mortgage rates and monthly payment costs, enhance home-buying ability, and blame the current housing crisis on the Biden administration.Bill Pulte, director of the Federal Housing Finance Agency, confirmed to the Financial Times that the plan will be executed by Fannie Mae and Freddie Mac, and it does not require congressional approval. Under existing agreements, the two agencies still have a combined operational space of about $200 billion in mortgage loan investments.Analysts pointed out that this initiative is highly similar in form to the Federal Reserve's policy of purchasing MBS to stabilize the market after the 2008 financial crisis. Despite the Federal Reserve having cut rates by a cumulative 75 basis points, the current 30-year fixed mortgage rate in the U.S. remains as high as 6.16%, with housing cost pressures continuing to be a political and economic focus. Against the backdrop of high inflation and rising living costs, Trump's move is seen as an attempt to directly intervene in the housing and financial markets through executive power to boost voter confidence.

The luxury real estate brand Sotheby's International Realty, under the auction giant Sotheby's, has released a report sharing the current evolution of the global luxury real estate market and the economic policies and factors that have the greatest impact on it. The report points out that the influence of cryptocurrency on luxury home consumption is increasing, especially in markets such as Dubai, New York, and California. Adjustments in regulatory policies may allow crypto assets to be included in mortgage qualification.

Sotheby's released the "2026 Luxury Outlook Report," which points out that cryptocurrencies are increasingly influencing high-end real estate purchases, particularly in markets like Dubai, New York, and California. The report emphasizes that changes in the regulatory environment could become a significant turning point, as cryptocurrencies may be included in mortgage qualification criteria in the future, opening new pathways for buyers holding substantial amounts of cryptocurrency.

According to a report by Investing.com, Bitcoin treasury company B HODL Plc (AQSE:HODL | OTCQB: HODLF | FRA: F5S) has approved a strategic Bitcoin collateral loan framework that will utilize loan products from CoinCorner Ltd as part of its capital management strategy.The framework allows B HODL to obtain loans secured by its Bitcoin holdings under specific conditions, including a 50% loan-to-value ratio, interest-only terms, a maximum term of four years, and a total loan exposure limit of 20% of the company's Bitcoin reserve value. B HODL plans to use the borrowed funds to purchase more Bitcoin.B HODL CEO Freddie New stated that the strategy provides a flexible and efficient source of Bitcoin, aligning with the company's long-term goal of strengthening its Bitcoin holdings.

According to a report by Investing.com, Bitcoin treasury company B HODL Plc (AQSE:HODL | OTCQB: HODLF | FRA: F5S) has approved a strategic Bitcoin collateralized loan framework that will utilize loan products from CoinCorner Ltd as part of its capital management strategy.The framework allows B HODL to obtain loans secured by its Bitcoin holdings under specific conditions, including a 50% loan-to-value ratio, interest-only terms, a maximum term of four years, and a total loan exposure limit of 20% of the company's Bitcoin reserve value. B HODL plans to use the borrowed funds to purchase more Bitcoin. B HODL CEO Freddie New stated that this strategy provides a flexible and efficient source of Bitcoin, aligning with the company's long-term goal of strengthening its Bitcoin holdings.

According to official news, the ETHZilla website announcement shows that the company has acquired a 15% stake in the digital mortgage platform Zippy for approximately $21 million and has reached an agreement to tokenize manufactured home loans as on-chain RWA.Zippy focuses on the manufactured home market in the United States, with an annual financing scale of $14 billion. This move will expand ETHZilla's RWA strategic landscape. In the next 36 months, Zippy's on-chain operations will exclusively use ETHZilla's platforms such as Liquidity.io, which is expected to provide on-chain debt purchasing channels for institutional investors.

Pineapple Financial, a Canadian fintech company, announced the launch of a mortgage tokenization platform on the Injective blockchain, planning to migrate its entire historical portfolio (over 29,000 mortgages, with a total value of approximately $10 billion) to the blockchain. Currently, the company has successfully tokenized over 1,200 mortgage documents, valued at approximately $412 million. Each tokenized record contains over 500 data points, aimed at enhancing transparency and operational efficiency.In previous news, the publicly listed company Pineapple Financial launched a $100 million Injective digital asset vault strategy.

According to on-chain analyst @ai_9684xtpa, "after the flash crash on October 11, the insider giant whale opened a short position." Ten minutes ago, he collateralized 55,340 ETH (worth $157 million) to Aave, then borrowed 50 million USDT and deposited it into Binance, with the purpose unknown.

Coinbase has expanded its on-chain lending products to include Ether (ETH) as collateral, allowing eligible customers to borrow up to $1 million in USDC without having to sell their cryptocurrency, with the loan supported by the Morpho lending protocol on Base, and Coinbase providing the user interface.

According to official news from Tether, the digital asset industry company Tether has announced a strategic investment in Ledn, a leader in the global consumer Bitcoin mortgage market. This move aims to expand access to credit channels, supporting individuals and businesses in obtaining loans without selling their digital assets.Ledn focuses on Bitcoin mortgages and has issued over $2.8 billion in loans since its inception, with more than $1 billion lent in 2025, marking the company's strongest annual performance. Its annual recurring revenue (ARR) has surpassed $100 million. Tether CEO Paolo Ardoino stated that partnering with Ledn can strengthen self-custody and financial resilience, creating real-world use cases for digital assets as a key pillar of the global financial system.Reports indicate that the crypto asset mortgage market is expected to grow from $7.8 billion in 2024 to over $60 billion by 2033. Ledn's infrastructure features advanced custody, risk management, and clearing systems, positioning it favorably in both retail and institutional markets.

According to CoinPost, Metaplanet raised $100 million by collateralizing its Bitcoin assets. The funds raised will primarily be used to purchase more Bitcoin, expand revenue-generating businesses, and buy back shares. A portion of the funds will also be used for a revenue business that will create and sell cash-backed Bitcoin options, thereby earning stable returns while holding Bitcoin.As of October 31, the company holds 30,823 Bitcoins (approximately $3.517 billion), and this borrowing amount accounts for about 3% of that holding.

ChainCatcher message, Animoca Brands announced on the X platform that it has purchased AERO tokens, but did not disclose the specific purchase amount, only revealing that it will be staked and locked as veAERO.

ChainCatcher news, according to CoinDesk, Swiss digital asset bank Sygnum Bank has partnered with Bitcoin (BTC) lending startup Debifi to launch what is claimed to be the first bank-supported loan platform that does not require borrowers to give up full control of their Bitcoin.The product is named MultiSYG and is scheduled to launch in the first half of 2026, targeting institutions and high-net-worth individuals who seek bank-grade loan services but are concerned about "re-hypothecation."

ChainCatcher news, according to Lookonchain monitoring, a certain whale/institution address has cumulatively deposited a total of 610 million USDC into Aave through 3 addresses tonight, borrowed 66,000 ETH (approximately 265 million USD), and deposited it into Binance.

ChainCatcher news, according to Jinshi reports, Federal Reserve Chairman Powell stated that the Fed is focused on overall inflation, does not target housing prices, and will not directly use the purchase of mortgage-backed securities to address mortgage rate issues.

ChainCatcher news, according to Jinshi reports, Federal Reserve Governor Bowman stated that he looks forward to discussing the sale of mortgage-backed securities. He pointed out that passive balance sheet reduction cannot achieve a return to a state of holding only Treasury securities within a credible timeframe.