凱茜·伍德（Cathie Wood）倡導了一項提議，要求將加密貨幣包括在抵押資格中，並有可能革新加密投資者獲得房屋所有權的機會。

Cathie Wood, Crypto, and Mortgage Qualification: A New Era for Homeownership?

Cathie Wood，Crypto和抵押資格：房屋所有權的新時代？

Cathie Wood's support for incorporating crypto into mortgage qualifications signals a potential paradigm shift, promising to bridge the gap between digital assets and traditional finance. This move could revolutionize homeownership accessibility for crypto investors.

凱茜·伍德（Cathie Wood）支持將加密貨幣納入抵押資格的支持標誌著潛在的範式轉變，這有望彌合數字資產與傳統金融之間的差距。此舉可能會徹底改變加密投資者的房屋所有權的可訪問性。

FHFA's Crypto Consideration: A Game Changer?

FHFA的加密考慮：改變遊戲規則的人？

The U.S. Federal Housing Finance Agency (FHFA) is exploring a groundbreaking proposal: factoring cryptocurrency holdings, like Bitcoin, into mortgage qualifications. Cathie Wood, CEO of ARK Invest, hails this as a “major step” toward integrating digital assets into the traditional financial system. Imagine a world where your Bitcoin could help you buy a house! No more cashing out and triggering those pesky taxable events.

美國聯邦住房金融機構（FHFA）正在探索一項開創性的提案：將加密貨幣（如比特幣）的保管資格考慮到抵押貸款資格。 ARK Invest的首席執行官Cathie Wood將其作為將數字資產集成到傳統金融體系中的“重大步驟”。想像一個世界，您的比特幣可以幫助您購買房屋！不再兌現並觸發那些討厭的應稅活動。

Why This Matters to Crypto Investors

為什麼這對加密投資者很重要

For many crypto investors, especially early adopters, freelancers, and online entrepreneurs, securing a traditional mortgage can be a nightmare. Despite substantial crypto wealth, they often lack the traditional income streams that banks demand. This proposal could redefine “creditworthy,” establishing a framework that mirrors modern wealth building. Instead of penalizing nontraditional earners, it would empower them.

對於許多加密投資者，尤其是早期採用者，自由職業者和在線企業家，獲得傳統抵押貸款可能是一場噩夢。儘管有大量加密財富，但他們通常缺乏銀行要求的傳統收入來源。該建議可以重新定義“信譽良好”，建立一個反映現代財富建設的框架。而不是懲罰非傳統收入者，而是會賦予他們權力。

The Cathie Wood and Michael Saylor Effect

Cathie Wood和Michael Saylor效應

Cathie Wood isn’t alone in her enthusiasm. Bitcoin bull Michael Saylor has long advocated for Bitcoin as a serious financial asset. He argues that recognizing Bitcoin in mortgages would bridge the gap between the digital and traditional banking systems. As Saylor puts it, “Home ownership shouldn’t be out of reach for people with Bitcoin holdings.”

凱茜·伍德（Cathie Wood）並不孤單。比特幣公牛邁克爾·賽勒（Michael Saylor）長期以來一直主張比特幣作為嚴肅的金融資產。他認為，承認抵押中的比特幣將彌合數字銀行系統和傳統銀行系統之間的差距。正如Saylor所說，“對於擁有比特幣持有的人來說，房屋所有權不應該遙不可及。”

Potential Ripple Effects

潛在的連鎖反應

If the FHFA adopts this proposal, the implications could be far-reaching. We might see:

如果FHFA採用了這一提議，那麼影響可能是深遠的。我們可能會看到：

• Wider Crypto Adoption: Formal acceptance of crypto in mortgage qualifications could lend legitimacy to the space, attracting both retail and institutional investors.
• Innovative Mortgage Products: Lenders may be incentivized to create mortgage products specifically designed for digital currency owners, including crypto-collateralized mortgages.
• New Financial Instruments: Bitcoin-denominated mortgages could pave the way for new types of mortgage-backed securities with exposure to digital assets.

The Road Ahead

前面的道路

The FHFA is still gathering public input and studying the potential effects, but the momentum is building. While there are potential concerns with the volatility of crypto assets, the potential benefits of increased financial inclusion and innovation are undeniable.

FHFA仍在收集公眾意見並研究潛在影響，但動力正在建立。儘管對加密資產的波動有潛在的擔憂，但不可否認的是，增加金融包容性和創新的潛在好處。

A Brave New World?

勇敢的新世界？

The prospect of using Bitcoin to buy a house? It sounds like something out of a sci-fi movie! But hey, maybe one day we'll all be paying our mortgages in sats. Until then, keep hodling, and maybe start dreaming about that new crypto-funded home!

使用比特幣購買房屋的前景？聽起來像是科幻電影中的東西！但是，嘿，也許有一天我們都會在SAT上支付抵押貸款。在此之前，請繼續狂歡，也許開始夢見那個新的加密貨幣資助的家！