币界网报道：Bitcoin is increasingly being recognized as a viable asset for mortgage applications, with several financial institutions and lending platforms now accepting it as collateral. This trend reflects the growing mainstream acceptance of cryptocurrencies, particularly Bitcoin, as legitimate financial instruments. Companies like United Wholesale Mortgage and crypto-focused lenders such as Ledn and BlockFi are leading the charge, offering mortgage products that allow borrowers to leverage their Bitcoin holdings without needing to liquidate them. These services typically require borrowers to deposit Bitcoin into a custodial account, where its value is monitored to ensure it covers the loan amount. Interest rates for such loans are often competitive with traditional mortgages, though they may come with additional volatility risks due to Bitcoin's price fluctuations. Advocates argue that Bitcoin-backed mortgages provide greater financial flexibility for crypto holders, enabling them to access liquidity while maintaining exposure to potential price appreciation. Critics, however, caution about the risks of margin calls if Bitcoin's value drops significantly, which could force borrowers to either add more collateral or face liquidation. Regulatory clarity remains a key challenge, as lenders navigate varying jurisdictional stances on crypto assets. Despite these hurdles, the trend signals a broader shift toward integrating digital assets into traditional financial systems, offering new opportunities for both borrowers and lenders in the evolving crypto economy.