Cryptocurrencies are not exactly new in the financial world, but the volatility and constant price fluctuations associated with them have caused many to be reluctant about giving them a try and integrating them into their portfolios. To succeed in their ventures, traders must develop comprehensive strategies that align with their financial goals while also learning to interpret the market’s movements.
For example, being aware of the latest price fluctuations of the BTCUSDT pair can be helpful, even if the assets aren’t in your list of holdings, since Bitcoin’s influence on the entire cryptocurrency marketplace is enormous due to its status as the first cryptocurrency, the blueprint for all those who followed it. As crypto mortgages begin to emerge as a viable financial product, understanding these market shifts becomes even more relevant for those looking to leverage digital assets beyond trading.
Being aware of the latest news from the industry is also crucial since cryptocurrencies are entirely decentralized and, therefore, much more vulnerable to the latest news and changes taking place around them. As crypto’s influence continues to grow, the coins are increasingly adopted into the mainstream and continue to leave their mark on the larger financial environment.
Mortgages
Having savings, pension plans, or mortgages in cryptocurrency is not a new idea, but until recently, it was largely regarded as a poor choice due to the volatility. However, regulators could make digital currencies the new standard for mortgages. The FHFA (the US Federal Housing Finance Agency) ordered home mortgage purchasers Fannie Mae and Freddie Mac to consider the use of cryptocurrencies as valid assets as part of their risk assessment for select home loans. The two enterprises are sponsored by the government, and the decision to explore crypto would be part of a policy that could involve crypto mortgages as a reserve without the assets being converted to US dollars.
This means that Fannie Mae and Freddie Mac will be able to regard the crypto holdings borrowers’ have when applying for a mortgage, an entirely new thing that hasn’t really been implemented before. In the past, these institutions have played a pivotal role in the United States housing market, fostering liquidity and stability through their ability to purchase mortgages from lenders, thereby enabling more loans to be issued. The move to include crypto coins in this process didn’t come lightly and is part of Donald Trump’s wish to make the United States the crypto capital of the world.
Mainstream acceptance
This change couldn’t have been possible without the growing acceptance of crypto coins as collateral in the US. Opinions have changed considerably over the last few years, as not long ago, cryptocurrencies were still regarded as dangerous and a surefire way to lose money instead of earning it. People’s confidence in cryptocurrency has been growing, and many have started integrating it into their portfolios as well. JPMorgan is allowing select wealth management clients to use products based on or derived from cryptocurrencies, such as Bitcoin ETFs, to drive collateral financing.
New stablecoins are set to become eligible for futures trading over the next twelve months at the latest, so it isn’t so surprising that crypto-backed loans are starting to be promoted as well. However, that doesn’t mean that it will become widespread right away. In fact, they’re expected to remain relatively niche for quite some time, but that doesn’t mean that the real estate transactions they finance won’t be legitimate.
Price growth
Seeing huge upswings or downswings in the crypto market is nothing new, and most investors have actually become accustomed to these shifts at this point. The most important thing is to find ways to mitigate their adverse effects and learn how to predict them at least partially. Bitcoin’s price grew considerably during the last week of June, with many analysts stating that the ecosystem is now largely dominated by the bulls. This trend could have implications for financial tools such as crypto mortgages, which are increasingly gaining attention among forward-looking investors.
Their demographic has indeed remained optimistic even in the face of the political unrest and tense military situations of the past couple of weeks, an attitude that has led to Bitcoin becoming a sort of safe haven for those looking to consolidate their portfolios and ensure they don’t lose excessive amounts of capital. While BTC is not typically regarded as the type of holding you can rely on during times of significant financial risk, the 2025 marketplace may have just proved that this description belongs in the past and that cryptocurrencies have since evolved beyond this description.
Income tax
Thailand is a crypto-friendly country that has generally welcomed the assets and has been attempting to attract both businesses and investors over the past few years. The coins are not regarded as legal tender but have been classified as digital assets so that users have no problem trading them through licensed businesses. Recently, Thailand has also approved a five-year crypto tax exemption that applies to all the crypto sales made via licensed services from 2025 to late 2029. The announcement was made by the Ministry of Finance, with the measure meant to strengthen the country’s position as a global financial hub.
It is true that the nation is one of the first to adopt laws of this kind for crypto assets and their taxation methods. The idea is also to promote cryptocurrency trading across Thailand, with supervision from the Thai Securities and Exchange Commission and the Anti-Money Laundering Office. Regulatory developments like these could eventually pave the way for broader adoption of financial products such as crypto mortgages, aligning digital asset oversight with emerging use cases.
$175 million
Galaxy Digital has raised $175 million for its first venture fund that is entirely externally backed. Early-stage crypto startups are targeted, with the occurrence being the first time the company has integrated outside capital, having solely relied on its own balance sheet in the past. Tokenization, stablecoins, payments, and software are the areas they’ll explore in the future, as they are growing significantly at the moment and can bring considerable returns. In this evolving landscape, crypto mortgages are emerging as one of the many innovative applications drawing investor attention.
Since its 2018 launch, Galaxy has grown into a large conglomerate with extensive exposure to asset management. In the crypto world, it has distinguished itself in fields such as venture investing, mining, and Bitcoin-based exchange-traded funds. As of 2025, it was managing $7 billion in assets, with the current changes having the potential to take it further than ever before.
If you’re an investor and unsure of how to navigate the current marketplace, remember that patience is the most important thing. Avoid making impulsive decisions when it comes to your portfolio, and follow your strategy as closely as possible. As financial products like crypto mortgages begin to gain traction, maintaining discipline in volatile environments becomes even more critical.
