Opinion: Dr. Scott Lear
In the early first decade of the twentieth century, obtaining a loan in the United States was without checking your income or assets. It was called a loan “No Duke” or “low accurate”. The goal was to help workers for their own account or contracting workers, but it was widespread. Today, lenders come true of income, assets, debts and employment.
Whether the central brothers love her or not, the financial world is changing. What is required once from the W-2 for wages and tax, the gate guards and credit files are now rebuilt on transparency, independence and Blockchain wallet.
For the first time, Washington admits that wealth is not only traditional, but it is digital. For more than a century, the American dream was secured by one big dream: houses ownership. The financial and psychological teacher indicates the arrival, stability and transmission of upward.
What happens when the definition of wealth in particular begins to develop? What happens when your public budget does not live in a bank, but also on Blockchain?
FHFA movement: Policy turning with cultural weight
the The FBA has recently announced that the F and Faridi Mac fans will start identifying the encryption assets as part of the mortgage request reviews.
This hidden but historical step officially brings digital wealth to the world of traditional financing of the home, and thus redefines those who qualify for the American dream.
Crypto did not knock on the American dream door. Crypto built a back and walked door. This is the new entry point for home ownership is to make inflation and central banks make the pipes possible.
Most of the main headlines focused on immediate effects: encryption holders may not need liquid assets to qualify for a real estate loan. But the most depth of philosophical importance. The system no longer asks, “Is encryption real?” He admits, “encryption is wealth.”
In 2024, Redvin She mentioned that 12 % of the home buyers planned to use encryption for fallen payments, up from only 5 % in 2019. At the same time, companies build the lending infrastructure that allows people to use digital assets as a guarantee without operating capital gains.
This is not about noise. This happens. A generation of self -made digital investors works outside the economy of the gatekeeper. They built wealth without permission, often without traditional work, and they now want in traditional assets at all: real estate.
FHFA decision is more than regulatory. It is symbolic. It indicates a shift from exclusion to integration.
Not only funding, but freedom
Critics actually hold bars. They are concerned that identifying volatile assets such as Bitcoin in mortgage qualifications provides unnecessary risks.
However, encryption and trumpet lovers know that volatility is not equal to fraud. Many people defend the outdated credit models that 2008 The financial crisis has not caused encryption, but due to excessive leverage, artificial debt and a complete lack of transparency.
Related to: The orders of the American organizer Fannie Mae, Freddy Mac to consider encryption for mortgages
The encryption is everything about Transparency. wallet The balances do not lie. Smart contracts do not depict salaries. The decentralized financing is not perfect, but it does not pretend to be something not. This alone puts it before the shadow banking activity in Wall Street.
This is not only about financial affairs. This is about freedom. It comes to admitting that the wealth of the twenty -first century does not always come from Fiat or 401 (K). Sometimes, a symbol or book of the professor or digital origin that a person keeps a refusal to wait for traditional funding to verify it. Applicants can rejoice in dangers and revolutionaries!
From surfaces to revolutions
Innovation is not only how people buy homes with encryption. How people use their homes to purchase encryption. They turn the traditional model. Real estate used to be a dream. Now, for some, it’s the launch platform.
Yes, this provides risks. Not, not everyone should use their home as a bitcoin engine. This is the place that matters to the enlightened organization. We need more intelligent frameworks that respect innovation while protecting consumers.
The alternative is worse: a financial system only serves those who agree with old paths to create wealth. Central banks are often similar to the remains of the past, but some seem to open their eyes to the inevitable.
The new scheme
This is the new scheme for America Dream: Ownership now includes material and digital assets; It reflects the onhaIN credit, not just CV; The housing market must develop with its people, not against them. The encryption is not a threat to home ownership. It is an incentive for his invention.
We do not need more gate guards. We need more bridges. For millions of investors, innovators and digital citizens, this new policy is falling as they build it and where they now want to live.
The site, the site, the site is now on the Internet, not central and transparent.
The encryption not only changes funding. It redefines what the arrival means.
Opinion: Dr. Scott Lear.
This article is intended for general information purposes and does not aim to be and should not be considered legal or investment advice. The opinions, ideas and opinions expressed here are alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.
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