The U.S. Federal Housing Finance Agency (FHFA) has approved using cryptocurrencies as collateral in mortgage applications. This development represents a significant milestone in integrating cryptocurrencies into the traditional financial system. With the current price of XRP at $2.19, buying an average American home priced at $420,000 requires approximately 192,000 XRP. Those considering a 20% down payment need only 38,400 XRP.
FHFA’s Official Recognition of Cryptocurrency
The new regulation allows cryptocurrency accounts to be declared alongside traditional assets such as stocks, bonds, and cash. Applicants can strengthen their creditworthiness by documenting wallet balances with reliable exchange rates. The FHFA plans to request updated price statements to counteract volatility, aiming to mitigate risks for both lenders and borrowers.
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According to calculations by the AI model ChatGPT, the figures for XRP investors are notable. Those wishing to pay the full amount need to accumulate 192,000 XRP, while a portfolio of 38,400 XRP is sufficient for most regions under the standard 20% down payment scenario. Due to price fluctuations, the required amount of coins may change even during the day, necessitating real-time value documentation at the time of application.
Clarifying the Cost of Buying Property with XRP
The FHFA decision accelerates the ongoing integration of cryptocurrency into real estate in international markets. Japan-based Open House Group accepts XRP, Bitcoin 
$67,048, Ethereum 
$1,941, Solana 
$83, and Dogecoin 
$0.096999 for real estate sales in Tokyo and Osaka. Payments are transferred from mobile wallets to sellers within seconds, eliminating high bank fees and international money transfer delays.
A similar model is evolving in Dubai, where property projects tokenize title rights on the XRP Ledger, moving the buying and selling process to the Blockchain. Tokenization records ownership immutably, allowing international investors to trade directly without intermediaries. Experts predict that when global examples converge, the FHFA regulation will cement cryptocurrencies as a viable option in real estate financing.
