better

Согласно отчету CoinDesk, продукт по ипотечным кредитам с залогом биткойнов, совместно запущенный Better Mortgage и Coinbase, полностью запущен на прошлой неделе. Заемщики могут заложить биткойны с коэффициентом залога 250% для оплаты первоначального взноса на жилье, например, для покупки недвижимости стоимостью 500 000 долларов необходимо заложить биткойны на сумму 250 000 долларов, чтобы поддержать первоначальный взнос в 100 000 долларов. С момента полного запуска объем предварительных заявок на кредиты достиг 360 миллионов долларов, что выше ранее ожидаемых 260 миллионов долларов от пользователей в списке ожидания.При закрытии сделки заемщик получит два кредита: один — это обычный ипотечный кредит, обеспеченный недвижимостью и соответствующий стандартам Fannie Mae, а другой — это кредит на первоначальный взнос, обеспеченный заложенными биткойнами и вторичным залогом на недвижимость. Better раскрывает, что может повторно заложить биткойны заемщика, при этом сохраняя эквивалентные активы для возврата. Заемщики не могут заранее вернуть свои криптоактивы и могут получить их обратно только после полного погашения или рефинансирования обычного ипотечного кредита, что может привести к блокировке биткойнов на срок до 15-30 лет.В отличие от типичных крипто-кредитов, падение цены биткойна не приведет к дополнительным маржинальным требованиям или автоматической ликвидации, ликвидация заложенных активов может произойти только через 60 дней после дефолта заемщика. Coinbase выступает только в качестве хранилища и поставщика технологий и не участвует в кредитных решениях. В настоящее время продукт поддерживает только залог биткойнов, хотя стороны упоминали USDC в марте, но в конечном итоге решили сначала запустить BTC.

Сообщение ChainCatcher, Better Mortgage и Coinbase объявили о полном запуске своего продукта по ипотечным кредитам с залогом биткойнов, американские покупатели могут использовать биткойны в качестве залога для первоначального взноса, не продавая их. Этот продукт сочетает в себе ипотечные кредиты, поддерживаемые Fannie Mae, и независимые кредиты на первоначальный взнос, обеспеченные биткойнами; заемщики должны заложить биткойны на сумму не менее 250% от суммы кредита на первоначальный взнос, заложенные активы будут храниться на доверительном счете Better на Coinbase Prime.Обе ссуды имеют одинаковую процентную ставку и срок амортизации, погашаются через единовременный ежемесячный платеж; после полного погашения ипотеки или рефинансирования заложенные биткойны будут возвращены. Падение цены биткойна само по себе не вызовет дополнительного маржинального требования или изменения условий кредита, но если заемщик просрочит платежи на 60 дней, Better имеет право ликвидировать заложенные биткойны. Заемщики должны быть резидентами США и иметь верифицированный аккаунт Coinbase, участники Coinbase One также могут получить возврат до 10 000 долларов с 1% кэшбэка.Этот продукт был впервые представлен в марте этого года и открыт для раннего доступа. Ранее Федеральная жилищная финансовая администрация США в июне 2025 года поручила Fannie Mae и Freddie Mac изучить возможность включения криптовалют в оценку рисков ипотечного кредитования; ипотечная компания Newrez также объявила в январе, что с февраля начнет признавать часть криптовалютных активов при оценке заявок на ипотеку.

Сообщение ChainCatcher, что команда формальной верификации Фонда Эфириума в сотрудничестве с Yukon и zkSecurity разработала открытую автоматизированную исследовательскую задачу better.codes, которая теперь доступна. Платформа формализует самосодержащие проблемы из Proximity Prize в Lean и помещает надежность машинной проверки koalaIRS12 в публичный рейтинг, чтобы любой мог способствовать улучшению, продвигая основанные на хэшах SNARK и постквантовые связанные с Эфириумом стандарты безопасности.Решатели могут использовать свои AI-агенты для доказательства более высокой нижней границы надежности по этой задаче соседства Рида-Соломона, приближаясь к фиксированной цели в 128 бит. Ядро Lean проверяет каждую подачу, и повышенные доказательства улучшат публичную границу, а новые леммы, методы доказательства и результаты невозможности будут синхронизированы вверх по потоку, чтобы все участники могли их повторно использовать. Большинство хэш SNARK в производственной среде зависит от связанных промежутков соседства и связанных соглашений, и в настоящее время доказанные результаты все еще ниже, чем доверительные стандарты исследователей; эта задача направлена на то, чтобы открытым, инкрементальным и проверяемым образом сократить этот разрыв.koalaIRS12 основан на соответствующей статье и формализован от начала до конца в ArkLib. Участники могут войти через GitHub и клонировать репозиторий задачи, подавая заявки в рамках фиксированных утверждений теорем и верификационной структуры; результаты, подтвержденные компаратором и ядром Lean, записываются в публичный репозиторий с указанием решателя и используемой модели. Сегодня запущен вызов на повышение надежности koalaIRS12 до 128 бит, в дальнейшем могут быть добавлены дополнительные задачи, детали будут определяться условиями проекта.

ChainCatcher сообщает, что по данным Cointelegraph, Coinbase и Better Home & Finance объявили о запуске программы ипотечного кредитования с залогом криптоактивов летом 2026 года, позволяющей квалифицированным заемщикам использовать биткойн (BTC) или USDC в качестве залога для финансирования первоначального взноса по ипотечным кредитам, поддерживаемым Fannie Mae. Этот шаг стал возможен после того, как FHFA США в июне 2025 года указала Fannie Mae и Freddie Mac учитывать криптоактивы в оценке рисков ипотечного кредитования без необходимости их конвертации в фиатные деньги.В настоящее время другие кредитные учреждения, такие как Newrez, также следуют подобным инициативам. Однако некоторые сенаторы США выразили обеспокоенность по поводу того, что колебания цен на криптоактивы могут угрожать стабильности рынка жилья, в то время как республиканец Синтия Луммис предложила законопроект «Закон о ипотечном кредитовании XXI века», который намерен закрепить вышеупомянутую политику в законодательной форме.

According to Gate market data, on May 8, U.S. stocks opened with the Dow Jones up 0.38%, the S&P 500 index up 0.44%, and the Nasdaq up 0.54%. Storage concept stocks performed strongly, with Micron Technology up 5.5% and SanDisk up 4.5%. The Nasdaq Golden Dragon China Index rose 1.1%, with Baidu up 6%.

According to data from Greeks.live, a total of 23,000 BTC options are set to expire, with a Put Call Ratio of 1.13, a maximum pain point of $76,000, and a nominal value of $1.74 billion. Additionally, 175,000 ETH options will also expire, with a Put Call Ratio of 0.94, a maximum pain point of $2,325, and a nominal value of $400 million.Greeks.live analyst Adam stated that this week's market fluctuations are small, with Bitcoin hovering around $78,000, and market sentiment gradually becoming calmer. The short-term RV has significantly decreased, combined with monthly settlements releasing nearly a quarter of the position margin, leading to a noticeable decline in the implied volatility of major expiration options this week. The major expiration IV of Bitcoin has fallen below 40%, while the major expiration IV of ETH has decreased even more, with short-term IV dropping below 50% and medium to long-term also falling below 60%. From the main options data, the Skew remains relatively stable, and the market's directional sentiment remains slightly bearish. This week, only 6% of options are expiring, with about 25% of positions at the end of the month and about 30% of positions at the end of June. Block trades are relatively inactive, all of which are signals of consolidation. In April of this year, Bitcoin performed significantly better in both price and popularity compared to the previous three months, but the altcoin market has seen limited recovery. Currently, the focus is mainly on Bitcoin, and trading altcoins will require further waiting.

According to Jinshi reports, Federal Reserve Governor Waller stated that compared to the shocks of the 1970s, central bank officials today have a better understanding of the importance of inflation expectations.

Bitcoin core developer Jameson Lopp stated that, compared to the potential quantum computing attacks that may arise in the future, he prefers to "freeze" about 5.6 million long-dormant BTC from the network rather than let them be acquired by attackers. These Bitcoins have not moved for over 10 years and may be permanently lost, valued at approximately $42 billion at current prices. If future breakthroughs in quantum computing lead to the decryption of old address private keys, this portion of assets could be re-transferred, triggering severe market fluctuations or even a crisis of confidence.Although the community recently proposed BIP-361, the proposal is still in its early stages and is not an officially promoted plan, but rather more like a contingency plan to address "extreme risks."

Trump posted on his Truth platform stating, "A large number of empty oil tankers, some of which are the largest in the world, are currently heading to the United States, loaded with the world's highest quality, 'sweetest' oil (and natural gas!). Our oil reserves exceed the total of the second and third largest oil-producing countries combined—and the quality is better. We look forward to your visit. Hurry up!"

According to Fortune, former a16z crypto investor Sam Broner announced the co-founding of The Better Money Company with his college friend Adam Zuckerman, completing a $10 million seed round financing, led by a16z crypto, with participation from BoxGroup and Sunflower Capital, along with angel investors such as Circle co-founder Sean Neville and former Microsoft executive Charlie Songhurst.The company aims to establish a stablecoin clearinghouse, providing customers with low-cost services to exchange different dollar-pegged tokens. Broner previously worked at a16z crypto for over two years, focusing on investments in the stablecoin sector. Zuckerman worked at Latham & Watkins law firm before serving as General Counsel at Eigen Labs.The two founded the company last November and have already secured commitments from several issuers, including Paxos, Bridge under Stripe, and MoonPay, planning to support all tokens that comply with the signed and effective Genius Act, excluding USDT, while its U.S. version USAT is unaffected. The product has not yet been publicly launched and is expected to be open to customers in the coming weeks.

Strategy's preferred stock STRC landed on the UK trading platform Trading 212 on March 30, with an annualized yield of approximately 11.5%. However, UK investors holding STRC directly may face significant tax pressure. In the US, STRC's monthly dividends are classified as Return of Capital (ROC) and are not taxable; however, UK brokers typically classify them as foreign dividends, subject to income tax at the marginal dividend tax rate, with the basic rate taxpayer rate at 8.75% and high earners up to 39.35%. Additionally, capital gains tax (CGT) must be paid upon sale, resulting in an estimated actual net yield of only about 10%.Crypto analyst James Van Straten suggests that UK investors consider the 21Shares Strategy Yield ETP listed on the European exchanges in Amsterdam and Paris instead. This product has a zero management fee, employs an accumulating structure, and automatically reinvests earnings rather than distributing cash. Upon sale, it typically only incurs CGT, with no income tax burden, providing significantly better tax efficiency.

Coinbase and mortgage platform Better Home & Finance announced a partnership to launch a home loan product secured by Bitcoin or USDC, guaranteed by Fannie Mae. Borrowers do not need to sell their crypto assets; they can use them as collateral to apply for an independent loan to pay the down payment while also being approved for a standard mortgage, ultimately holding two loans with the same interest rate and repayment period, with monthly payments combined.The product complies with Fannie Mae guidelines, with interest rates significantly lower than traditional crypto-backed loans. If the price of Bitcoin drops, the collateral will not face forced liquidation due to market fluctuations, only facing liquidation risk after 60 days of overdue payments. Borrowers using USDC as collateral can offset part of the loan interest with the earnings generated from the collateral.Coinbase One members can complete transactions through Better and receive a rebate on transaction fees equivalent to 1% of the mortgage amount, capped at $10,000. The two companies stated that they plan to expand the range of eligible collateral to include tokenized stocks and fixed-income assets in the future.

Liquid Capital founder Yi Lihua posted on platform X: "The biggest problem in the crypto industry in recent years is the decline of innovation, which stems from two aspects. First, the previous U.S. government's tightening of crypto policies, which should be resolved with the passage of the recent crypto infrastructure bill. Second, Binance's requirement for projects to adhere to a 1+3 year lock-up mechanism for crypto VCs.I believe Binance's original intention is good, fostering a long-term investment mindset. However, the consequence of this mechanism is that project parties, market makers, and exchanges run away with liquidity first, while VCs face a long unlocking period that leads to zero. VCs originally bore the greatest risks in the primary market, yet they also have to bear the risk of exiting last, which is clearly contrary to traditional investment markets. The result of this is the collective demise of crypto VCs, making it difficult for quality entrepreneurs to secure funding and reducing industry innovation.I suggest giving Zhao Changpeng a better exit mechanism for crypto VCs to activate VC capital, which will benefit industry innovation and also be more favorable for exchanges to list quality assets."

According to Jinshi, Federal Reserve's Musalem stated that the government shutdown could cause the Consumer Price Index (CPI) to shift downward and may last until April. He pointed out that Personal Consumption Expenditures (PCE) inflation is a better measure.

Canadian venture capital firm Framework Ventures has reached an agreement to acquire approximately 10% of the publicly listed mortgage lending institution Better.com for about $45 million.This move comes as Better.com plans to enter the asset tokenization space and intends to issue token products backed by $500 million in mortgage and other loan assets. Sources reveal that the retail-oriented token may be named "Home Token." The company stated that the initial tokens will be available only to accredited investors, with plans to gradually expand to a broader user base in the future. Better.com founder and CEO Vishal Garg stated that tokenization can reduce intermediary steps, thereby lowering financing costs and providing consumers with lower interest rate mortgage products.It is reported that Better.com is collaborating with the DeFi ecosystem Sky to advance the on-chain mortgage assets. Sky uses real-world assets (RWA) to back stablecoins, with the current ecosystem capital size of approximately $18 billion. Framework Ventures is also one of the key supporters of Sky. Better.com had planned to go public in 2021 with a valuation of $7.7 billion, but the stock price plummeted over 90% on its actual listing day in 2023. The company's current market capitalization is approximately $450 million.

According to Gate market data, on February 11, U.S. stocks opened with the Dow Jones up 0.11%, the S&P 500 index up 0.6%, and the Nasdaq up 0.76%. Shopify (SHOP.N) rose 8.3% as the company announced a $2 billion stock buyback. Micron Technology (MU.O) rose 6.1% as Morgan Stanley raised its target price by $100 to $450.

According to Jinshi News, Goldman Sachs Asset Management analyst Kay Haigh stated that there are some preliminary signs of a tightening labor market, but there is still a long way to go before it is fully tightened.Given the economy's continued performance exceeding expectations, the FOMC's focus will shift to the inflation situation. Goldman Sachs still believes there is room for two more rate cuts from the Federal Reserve this year; however, if the CPI released on Friday unexpectedly rises, it may push the Federal Reserve towards a more hawkish stance.

According to Jinshi News, Blackstone Group President Jon Gray stated that better data will enable the Federal Reserve to lower interest rates over time.

According to Cointelegraph, data shows that the price of Bitcoin relative to gold has fallen to a historic low. This indicator has appeared multiple times near the cyclical bottoms of the Bitcoin market, suggesting that Bitcoin is in a significantly weak position relative to gold. However, some analysts view the current market environment as a better potential positioning opportunity compared to the period before the bull market started in 2015-2017.Market analysis suggests that long-term holders are absorbing recent selling pressure. As funds rotate between safe-haven assets and risk assets, some traders expect a potential flow of funds back from gold to Bitcoin starting in February. However, there are also viewpoints that caution that such fund rotation is not guaranteed and that it is still necessary to observe changes in the macro environment and market risk appetite.

Regarding Ethereum co-founder Vitalik's call for more and better DAOs, DeFi researcher Ignas published a rebuttal on the X platform, stating that DAOs are typically operated by three groups: core teams or foundations, professional delegated representatives, and whales. The existence of professional delegated representatives is due to the fact that most token holders neglect governance, with 95% of votes being related to technical upgrades, and someone needs to be compensated to pay attention to these matters.This tripartite alliance has flaws and systemic risks, such as the incident where COMP tokens worth $24 million were "legally" voted by the community to be transferred from the Compound treasury to a strange and unmonitorable multi-signature address in 2024, triggering a DAO governance attack. In theory, as long as the project founders decide to care about the DAO, everything is feasible, but many people simply do not care.