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The U.S. Federal Housing Finance Agency (FHFA) has taken a significant step by approving the use of cryptocurrencies as collateral in mortgage applications. This move marks a notable advancement in integrating digital currencies into the established financial landscape. For instance, with XRP currently valued at $2.19, purchasing an average American home priced at $420,000 would require approximately 192,000 XRP. Individuals planning a 20% down payment would need only 38,400 XRP.

美国联邦住房金融局（FHFA）通过批准使用加密货币作为抵押申请中的抵押品，迈出了重要的一步。此举标志着将数字货币整合到既定的金融领域中的显着进步。例如，目前XRP的价值为2.19美元，购买的美国平均房屋价格为420,000美元，大约需要192,000 XRP。计划首付20％的个人只需要38,400 XRP。

FHFA’s Formal Recognition of Cryptocurrency

FHFA对加密货币的正式认可

This new regulation permits the declaration of cryptocurrency holdings alongside traditional assets like stocks, bonds, and cash. By providing documented wallet balances with reliable exchange rates, applicants can potentially enhance their creditworthiness. To manage volatility, the FHFA intends to request up-to-date price statements, thereby reducing risks for both lenders and borrowers.

这项新法规允许宣布加密货币与股票，债券和现金等传统资产一起宣布。通过提供可靠的汇率，申请人可以提高其信誉良好。为了管理波动性，FHFA打算要求最新的价格声明，从而降低贷方和借款人的风险。

According to calculations based on current data, the figures present an interesting perspective for XRP holders. Those aiming to cover the entire purchase price would require 192,000 XRP, while a holding of 38,400 XRP could suffice for the standard 20% down payment in many regions. It's important to note that due to price fluctuations, the required amount of XRP can vary, even intraday, highlighting the need for real-time value documentation during the application process.

根据基于当前数据的计算，这些数字为XRP持有人提供了一个有趣的观点。那些旨在支付整个购买价格的人将需要192,000 XRP，而在许多地区，持有38,400 XRP的持有就足以满足标准的20％首付。重要的是要注意，由于价格波动，所需的XRP数量可能会有所不同，甚至可能会在室内变化，从而强调了在申请过程中对实时价值文档的需求。

Understanding the Cost of Property Acquisition with XRP

了解使用XRP收购财产的成本

The FHFA's decision accelerates the ongoing integration of cryptocurrency into the real estate sector internationally. The Open House Group in Japan already accepts XRP, Bitcoin, Ethereum, Solana, and Dogecoin for property transactions in Tokyo and Osaka. These payments are executed swiftly, transferring funds from mobile wallets to sellers in seconds, bypassing substantial bank fees and international transfer delays.

FHFA的决定加速了加密货币在国际上持续整合到房地产部门。日本的开放日集团已经接受XRP，比特币，以太坊，索拉纳和多霉素进行东京和大阪的房地产交易。这些付款迅速执行，将资金从移动钱包转移到卖方，绕开了大量银行费用和国际转会延迟。

A parallel trend is emerging in Dubai, where property projects are tokenizing title rights on the XRP Ledger, shifting the buying and selling process to the blockchain. Tokenization provides an immutable record of ownership, enabling international investors to engage in direct trading without intermediaries. Experts anticipate that as these global examples converge, the FHFA regulation will solidify cryptocurrencies as a credible option for real estate financing.

在迪拜出现了一个平行的趋势，在迪拜，物业项目正在将XRP分类帐中的所有权权利施加，将买卖过程转移到了区块链上。令牌化提供了所有权的不变记录，使国际投资者能够在没有中介机构的情况下进行直接交易。专家预计，随着这些全球示例的融合，FHFA法规将巩固加密货币作为房地产融资的可靠选择。

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美国邮报批准了加密货币的抵押贷款：发现它如何影响购房者，首先出现在Cointurk News上。