Crypto-Backed Mortgages: Reassessing Risk In U.S. Home Financing

by THEFUTURE.TEAM

November 11, 2025

Home financing in the United States has long been shaped by traditional lending practices. Amid rising home prices and evolving investor profiles, the inclusion of digital assets in mortgage underwriting marks a transformative shift in the sector.

Rising Home Prices And Established Lending Practices

According to the Federal Reserve Bank of St. Louis, the average U.S. home sale price has hovered around $400,000 since the end of 2021. Lenders typically scrutinize financial details such as salaries, bank balances, and retirement accounts to assess a borrower’s ability to handle a mortgage. This methodical review has traditionally excluded cryptocurrency assets.

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Digital Assets Enter The Mortgage Equation

For approximately 15% of Americans investing in digital assets, the parameters of mortgage evaluation may soon broaden. In June, the Federal Housing Finance Agency (FHFA) directed mortgage powerhouses Fannie Mae and Freddie Mac to develop proposals for integrating cryptocurrency as an asset in single-family home risk assessments.

Regulatory Evolution And Political Backing

Bill Pulte, FHFA director, articulated on X that the initiative follows an extensive review and aligns with former President Trump’s vision of positioning the United States as the crypto capital of the world. Industry experts, including Daryl Fairweather, chief economist at Redfin, suggest that lenders will adapt their frameworks to assess the risk of crypto assets while drawing parallels to traditional investments like stocks and bonds.

Addressing Risks And Market Concerns

While some view this policy shift as a natural progression in asset diversification, critics caution against potential stress on the mortgage market. A group of Democratic senators has voiced concerns over the volatility of digital assets, questioning the reliance on unconverted cryptocurrencies in mortgage loan underwriting. Their call for clarity reflects a broader debate on balancing innovation with financial stability.

Watch the video above for an in-depth analysis of how crypto-backed mortgages could reshape the U.S. housing market.

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Cyprus GDP Growth Accelerates To 3.3% In Q2 2026 As Employment Rises

by THEFUTURE.TEAM

September 9, 2026

Cyprus’ seasonally adjusted GDP grew 0.8% in the second quarter of 2026 from the previous quarter, while employment increased 0.5%, according to Eurostat data.

Compared with the second quarter of 2025, GDP rose 3.3% and employment increased 1.6%. Quarterly economic growth accelerated from 0.5% in the first quarter.

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Cyprus Growth Picks Up In Second Quarter

The 0.8% quarterly expansion followed growth of 1.2% in the fourth quarter of 2025 and 0.8% in the third quarter. Annual growth also accelerated to 3.3% from 3% in the first quarter, after reaching 4.2% in the fourth quarter and 3.5% in the third quarter of 2025.

Employment growth resumed after remaining unchanged in the first quarter. The 0.5% quarterly increase followed gains of 0.7% in the fourth quarter and 0.5% in the third quarter of 2025.

Annual employment growth slowed to 1.6% in the second quarter from 2% in both the first quarter of 2026 and the fourth quarter of 2025. Growth stood at 1.4% in the third quarter of 2025.

EU Growth Strengthens

Across the EU, GDP increased 0.7% in the second quarter from the previous quarter, while euro area output rose 0.6%. Both figures marked a sharp acceleration from the first quarter, when EU GDP grew 0.1% and euro area GDP was unchanged.

Year on year, GDP increased 1.4% in the EU and 1.2% in the euro area, up from 0.9% and 0.6%, respectively, in the previous quarter.

Ireland recorded the strongest quarterly growth at 10.2%, followed by Slovenia at 1.8% and Lithuania at 1.7%. Austria was the only member state to record a contraction, with GDP falling 0.1%.

Consumption And Trade Support Growth

Household consumption contributed 0.2 percentage points to quarterly growth in both the euro area and the EU. Net exports added 0.9 percentage points in the euro area and 0.8 points in the EU.

Inventory changes reduced growth by 0.5 percentage points in both regions. Gross fixed capital formation had little impact in the euro area and added 0.1 percentage points in the EU.

Employment increased 0.1% quarter on quarter in both the euro area and the EU. Annual employment growth reached 0.5% in the euro area and 0.4% in the EU, with 221.4 million people employed across the EU and 176.4 million in the euro area.

Hours worked increased 0.1% in both regions from the previous quarter. Compared with a year earlier, hours worked rose 0.7% in the euro area and 0.8% in the EU.

Employment Trends Vary Across Europe

Portugal recorded the strongest quarterly employment growth at 1%, followed by the Czech Republic and Malta at 0.9% each. Finland saw the largest decline, at 0.8%, followed by Greece at 0.4%.

In the United States, GDP increased 0.4% from the previous quarter and 2.1% year on year.

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