Cathie Wood, CEO of ARK Invest, has voiced strong support for a proposed U.S. housing policy that would formally integrate cryptocurrencies into mortgage eligibility assessments . Wood believes the new directive could provide significant support for both the cryptocurrency and housing markets, highlighting its potential to transform access to homeownership while fueling long-term growth in digital assets .
According to her, Bitcoin could increase 15-fold over the next five years, driven by rising institutional interest and progressive regulation . She described Bitcoin as “an insurance policy against excesses in fiscal and monetary policy,” reinforcing its role as a defensive asset in times of economic instability .
The policy being developed by the Federal Housing Finance Agency (FHFA) proposes that crypto assets be recognized as part of a borrower's financial profile . This means that cryptocurrencies could be considered alongside cash, stocks, and bonds when evaluating mortgage eligibility . Such a move could make home loans more accessible to crypto investors who often face challenges proving traditional income or liquid assets . Experts view this as a step toward integrating decentralized finance (DeFi) into mainstream financial systems .
Allowing crypto assets to be used as collateral—without requiring liquidation—mirrors how traditional securities are leveraged for loans and could enhance liquidity while encouraging wider crypto adoption . FHFA Director Bill Pulte has expressed openness to reviewing the initiative, signaling growing regulatory interest in digital assets . However, the process is complicated by regulatory uncertainty, market volatility, and logistical hurdles .
Despite these challenges, the implementation of such a policy could legitimize cryptocurrencies as recognized assets in determining wealth and creditworthiness . The new regulation introduced by the US Federal Housing Finance Agency (FHFA) is stirring discussions in financial circles due to its potential impact on the cryptocurrency market . This regulation encompasses innovations that allow individuals holding Bitcoin $107,998 to obtain home loans without liquidating their cryptocurrency assets . ARK Invest CEO Cathie Wood, known for her innovative approach in the financial sector, indicated that this development could significantly boost Bitcoin's momentum .