PANews reported on June 5th that, according to Cointelegraph, Coinbase, in partnership with Better Home & Finance, will launch a token-backed home down payment loan service this summer, allowing eligible borrowers to use Bitcoin or USDC as collateral to pay for down payments on Fannie Mae-backed mortgages. Better founder and CEO Vishal Garg stated that this move aims to address the issue of homebuyers with repayment ability but whose wealth is not in the traditional system being unable to cross the down payment threshold.

In June 2025, the Federal Housing Finance Agency instructed Fannie Mae and Freddie Mac to consider crypto assets in their mortgage risk assessments, without requiring conversion to fiat currency. Subsequently, other lending institutions such as Newrez have also taken similar measures.