凯茜·伍德（Cathie Wood）倡导了一项提议，要求将加密货币包括在抵押资格中，并有可能革新加密投资者获得房屋所有权的机会。

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

Cathie Wood，Crypto和抵押资格：房屋所有权的新时代？

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.

凯茜·伍德（Cathie Wood）支持将加密货币纳入抵押资格的支持标志着潜在的范式转变，这有望弥合数字资产与传统金融之间的差距。此举可能会彻底改变加密投资者的房屋所有权的可访问性。

FHFA's Crypto Consideration: A Game Changer?

FHFA的加密考虑：改变游戏规则的人？

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.

美国联邦住房金融机构（FHFA）正在探索一项开创性的提案：将加密货币（如比特币）的保管资格考虑到抵押贷款资格。 ARK Invest的首席执行官Cathie Wood将其作为将数字资产集成到传统金融体系中的“重大步骤”。想象一个世界，您的比特币可以帮助您购买房屋！不再兑现并触发那些讨厌的应税活动。

Why This Matters to Crypto Investors

为什么这对加密投资者很重要

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.

对于许多加密投资者，尤其是早期采用者，自由职业者和在线企业家，获得传统抵押贷款可能是一场噩梦。尽管有大量加密财富，但他们通常缺乏银行要求的传统收入来源。该建议可以重新定义“信誉良好”，建立一个反映现代财富建设的框架。而不是惩罚非传统收入者，而是会赋予他们权力。

The Cathie Wood and Michael Saylor Effect

Cathie Wood和Michael Saylor效应

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.”

凯茜·伍德（Cathie Wood）并不孤单。比特币公牛迈克尔·赛勒（Michael Saylor）长期以来一直主张比特币作为严肃的金融资产。他认为，承认抵押中的比特币将弥合数字银行系统和传统银行系统之间的差距。正如Saylor所说，“对于拥有比特币持有的人来说，房屋所有权不应该遥不可及。”

Potential Ripple Effects

潜在的连锁反应

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

如果FHFA采用了这一提议，那么影响可能是深远的。我们可能会看到：

• 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仍在收集公众意见并研究潜在影响，但动力正在建立。尽管对加密资产的波动有潜在的担忧，但不可否认的是，增加金融包容性和创新的潜在好处。

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!

使用比特币购买房屋的前景？听起来像是科幻电影中的东西！但是，嘿，也许有一天我们都会在SAT上支付抵押贷款。在此之前，请继续狂欢，也许开始梦见那个新的加密货币资助的家！