MemeX is launching an intentionally bizarre campaign to highlight the issues with AI in airdrops.

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A major breakthrough has just arrived for Bitcoin and the crypto industry from 
one of the most influential financial regulatory bodies in the United States. 
The Federal Housing Finance Agency (FHFA), which oversees the country’s 
largest mortgage liquidity providers, has issued a directive that could change 
how digital assets are viewed. Under this directive, mortgage liquidity 
providers have been officially ordered to begin preparations for considering 
cryptocurrencies as part of a borrower’s asset portfolio during mortgage 
evaluations. Crypto As Mortgage-Eligible Asset In a recent post on the social 
media platform X, FHFA Director Bill Pulte issued a directive instructing 
Fannie Mae and Freddie Mac to prepare proposals that allow homebuyers to count 
cryptocurrency holdings held on US-regulated exchanges as part of their asset 
reserves for mortgage applications without converting them into dollars. 
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Bitcoin Battleground With Over $2 Billion Slated To Buy BTC Crypto assets have 
always been excluded from mortgage risk assessments unless converted to U.S. 
dollars before closing. However, this recent move breaks that barrier. This 
policy shift aligns with former President Donald Trump’s campaigns to 
establish the United States as the crypto capital of the world. Pulte, who was 
recently sworn in as the 5th Director of U.S. Federal Housing FHFA in March 
2025, is now part of those taking steps to make this vision a reality. 
According to the order, both Fannie Mae and Freddie Mac must also factor in 
market volatility and enforce strong risk-based adjustments before 
implementing the new assessment method. Fannie and Freddie are government- 
sponsored enterprises that do not issue mortgages themselves but play an 
important role in the housing market by purchasing home loans on the secondary 
market and setting the criteria for the loans they are willing to acquire. 
Bitcoin To Benefit The Most, But Where Does XRP Stand? Bitcoin is going to 
benefit the most from this policy update. Being the largest and most widely 
held cryptocurrency, Bitcoin has long been considered the digital gold 
standard, which makes it a natural candidate for institutional recognition. 
Related Reading: Crypto Pundit Reveals Why This Bitcoin Bull Market Feels 
Different As Crypto Enters ‘New Era’ Its established presence on 
U.S.-regulated exchanges and deep liquidity profile through Spot Bitcoin ETFs 
tick nearly every box laid out in the FHFA’s directive. However, the decision 
raises an important question for XRP holders as to whether the same regulation 
will be extended to XRP. Unlike Bitcoin, XRP has had a complicated history 
with regulatory agencies in the US, most notably the SEC. Although recent 
legal clarity around XRP has allowed the crypto to resume trading on major US- 
based exchanges, it isn&#8217;t really certain whether Fannie Mae and Freddie Mac 
will be quick to include it under this new directive. Nonetheless, the FHFA’s 
directive doesn’t specify eligible tokens. It simply refers to 
cryptocurrencies held on US-regulated exchanges. As such, the directive could 
be quick to include US-based cryptocurrencies like XRP and Ethereum alongside 
Bitcoin. Other countries are already far ahead with XRP in real estate. In 
Japan, for instance, Open House Group allows XRP payments for property 
purchases in cities such as Tokyo and Osaka. Dubai is also using the XRP 
Ledger to tokenize real estate. Featured image from Pixabay, chart from 
Tradingview.com

Bitcoin Gets The Greenlight To Be Counted As Assets For Mortgage Applications, But What About XRP?

Corporations race to build Bitcoin treasuries as stablecoins gain momentum and 
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Layer 1 blockchain Sei’s native token, on a roll in the past few days, has 
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Crypto transactions soared 530% last year, Bolivia&#8217;s central bank says, as 
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