Coinbase has partnered with Better Home & Finance to introduce a Bitcoin-backed mortgage product supported by Fannie Mae. This innovative offering allows borrowers to use Bitcoin or USDC as collateral for down payments, enabling them to maintain market exposure without selling their digital assets. The product aims to address the challenge of upfront capital requirements in home buying, with Better handling loan origination and servicing, while Coinbase provides custody and infrastructure support. The mortgage is designed to minimize volatility risk, with no margin calls or additional collateral required even if Bitcoin prices fall. Interest rates are expected to be 0.5 to 1.5 percentage points higher than standard 30-year mortgages. This initiative reflects a shift in wealth holding patterns, particularly among younger investors, and positions digital assets as part of mainstream financial infrastructure. Fannie Mae's involvement signals broader adoption of crypto-backed mortgages, integrating digital assets into traditional housing finance.