Changpeng Zhao, the founder of Binance, said that Bitcoin is increasingly being considered an asset for mortgages and predicted it may soon surpass homeownership as a primary aspiration. This statement was made on the social media platform X.
"This is great to see, BTC count as assets for mortgage," said Zhao. "The current American Dream is to own a home. The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the US."
Zhao was responding to a post discussing the plans by Fannie Mae and Freddie Mac to prepare their businesses to include cryptocurrency as an asset for mortgage considerations. This move reflects efforts by U.S. regulators to modernize financial assessments. According to The Washington Post, this marks a significant policy shift following a directive from the Federal Housing Finance Agency for Fannie and Freddie to propose how crypto assets held on regulated exchanges could be factored into mortgage applications. The proposal is part of a broader push to recognize digital assets in mainstream finance, although it faces skepticism due to the volatility of cryptocurrencies.
According to Zillow, as of June 2025, the average U.S. home value is $367,969, marking a 0.8% increase over the past year. In comparison, 0.1 Bitcoin (BTC) is valued at approximately $10,790 based on Bitcoin's price of roughly $107,900. This means that 0.1 BTC currently accounts for just under 3% of an average American home's value.
Recent trends indicate that both institutional and retail adoption of Bitcoin as an asset class have accelerated, particularly after the U.S. Securities and Exchange Commission approved spot Bitcoin exchange-traded funds (ETFs) in January 2024. BeInCrypto reports that this regulatory change led to a sharp rise in institutional inflows, with Bitcoin’s realized capitalization increasing from $430 billion to $730 billion within a year, signaling growing acceptance in mainstream financial products.
Changpeng Zhao is recognized as a visionary entrepreneur who founded Binance in 2017 and quickly developed it into the world’s largest cryptocurrency exchange by trading volume. He is widely acknowledged for his leadership in advancing blockchain technology and promoting global financial inclusion, making him one of the most influential figures in the crypto industry. Forbes has reported on Zhao's innovative strategies and commitment to expanding crypto accessibility.
CoinMarketCap states that Binance is the leading cryptocurrency exchange globally by trading volume, serving millions of users across more than 100 countries since its inception in 2017. The platform is commended for its extensive range of digital assets, user-friendly interface, and advanced security features which have contributed significantly to global crypto adoption. Binance's dedication to innovation is evident through its ongoing expansion into areas such as blockchain education and decentralized finance.
