U.S.-listed cryptocurrency exchange, Coinbase, is partnering with Fannie Mae-approved mortgage firm Better Home & Finance Holding Co. (BETR) to enable crypto holders to use their digital assets as down payment collateral for a home purchase. The mortgage is structured as a conforming loan backed by Fannie M. It carries the same protections and standards as traditional mortgages. Users pledge bitcoin BTC $ 69,387.85 or the USDC stablecoin as collateral to fund their down payment, allowing them to keep their assets intact and avoid creating a taxable event by spending them. This move comes as 41% of American families fail to buy a home due to insufficient funds for the down payment. If previously, Better had been accepting crypto as downpayment collateral, it could have funded 40 billion more consumer demand over the past few years.