CZ Bullish on Bitcoin as U.S. Considers Crypto-Backed Mortgages

The U.S. Federal Housing Agency’s plan to recognize cryptocurrencies as assets for single-family mortgage loans is stirring excitement across the crypto community. Former Binance CEO Changpeng Zhao (CZ) responded positively, calling the move a major step forward for Bitcoin adoption. According to CZ, using Bitcoin as mortgage collateral expands its real-world utility, potentially driving broader institutional and retail adoption.

In a recent post, Zhao stated that this development could significantly boost Bitcoin demand, further tightening its already limited supply. This scarcity, he noted, could push Bitcoin’s price to unprecedented levels. Zhao even suggested that 0.1 BTC could one day be worth more than the average U.S. home, redefining what wealth means in America. In an era of rising inflation and housing costs, Bitcoin could emerge as a store of value rivaling real estate.

While some skeptics online argue CZ’s prediction is exaggerated, others believe it reflects the long-term trajectory of Bitcoin as it becomes more integrated into traditional financial systems. If the proposal becomes law, it would allow U.S. residents to use their crypto holdings as collateral without selling them—offering homeownership opportunities while maintaining crypto exposure.

The idea of crypto-backed mortgages has energized both investors and homeowners eager for alternative financing. For Bitcoin holders, it could mean leveraging digital assets to access real estate markets without liquidating. As the crypto space awaits official regulatory confirmation, optimism remains high that this integration could mark a turning point for mainstream Bitcoin adoption.

With regulatory clarity progressing and institutional interest growing, the potential of crypto in real estate financing could reshape both industries—making digital assets like Bitcoin more relevant in everyday financial life.