U.S. lender Rate has introduced RateFi, a new service enabling borrowers to use verified cryptocurrency holdings in mortgage underwriting without the need to liquidate them. This innovative approach allows crypto assets to be considered as part of the borrower's financial profile, potentially easing the path to home ownership for crypto investors. The launch of RateFi coincides with Senator Cynthia Lummis' advocacy for recognizing cryptocurrencies as reserve assets in home loans. This development marks a significant step towards integrating digital assets into traditional financial systems, reflecting growing acceptance of cryptocurrencies in mainstream financial services.