Better Home & Finance Holding Company (NASDAQ: BETR) accepts Bitcoin (BTC) and USD Coin (USDC) as collateral for conforming home loans through a partnership with Coinbase. This allows borrowers to use digital assets to fund down payments without liquidating them. These, token-backed mortgages are Fannie Mae-eligible and available for home purchases. National Mortgage Professional +3 Key Details on Token-Backed Mortgages: - Collateral: Borrowers pledge Bitcoin or USDC held in a Coinbase account instead of using cash for a down payment. - No Margin Calls: If the value of the pledged Bitcoin drops, no additional collateral is required. - USDC Rewards: Pledged USDC can earn rewards that may help offset mortgage payments. - Loan Types: Better provides GSE-conforming, FHA, VA, and jumbo loans, alongside these new digital asset-backed options.  Disclaimer: Token-backed mortgages are a new product, and the above information is based on reports from March 2026

CLARITY Act gets deadlock breakthrough that also opens the door to more Bitcoin demand https://share.google/d5BGEWQPZFmYbcqGQ

The CLARITY Act, is designed to regulate Bitcoin & crypto. The Digital Asset Market Clarity Act (CLARITY Act) is currently stalled in the U.S. Senate Banking Committee due to an intense dispute between the banking industry and crypto companies over stablecoin yield. While the bill passed the House with strong bipartisan support (294-134) in July 2025, it has been "stuck in neutral" since January 2026. Current Status and Key Obstacles The Yield Dispute: Banks (led by the American Bankers Association) are lobbying to ban interest payments on stablecoins, fearing a "deposit flight" of up to $6.6 trillion from traditional accounts. Crypto firms like Coinbase argue that such a ban is anticompetitive. Senate Timeline: Negotiators are racing against a "midterm clock." If a compromise is not reached by May or June 2026, the legislative calendar will likely shift to election campaigning, effectively killing the bill's chances for the year. Recent Compromise Efforts: On March 10, 2026, Senators Angela Alsobrooks (D-MD) and Thom Tillis (R-NC) announced a new attempt to break the impasse. The proposed deal would ban yield on "static" or idle stablecoin balances (similar to savings accounts) while allowing rewards for active platform use, such as trading fee discounts. Impact on Bitcoin and Other Assets If passed, the Act would provide significant legal certainty by clearly dividing jurisdiction between the SEC and the CFTC: Bitcoin (BTC) & Ethereum (ETH): Would be officially classified as digital commodities under the exclusive jurisdiction of the CFTC. Altcoins: Assets like XRP, Solana (SOL), and Avalanche (AVAX) would have a defined pathway to transition from "securities" to "commodities" once their networks are sufficiently decentralized, potentially paving the way for spot ETFs. Institutional Investment: Analysts from JPMorgan suggest that this regulatory "green light" could unlock billions in sidelined institutional capital.

This is an important question once you get past being a beginning bitcoiner. If you are just starting, I believe mobile wallets are the simplest place to start. If you're an intermediate to pro bitcoiner, you might feel different about mobile wallets now you have some experience under your belt. So, do you trust mobile wallets? Why or why not?

I’m putting together a small private group called Sovereign Wealth Forge. It’s for people who care about building powerful, private, portable wealth over the long term. It’s intentionally small and values based. It’s not for everyone, but I wanted to invite you here in First Step Bitcoin first. DM if you’d like to hear more.