US Crypto News: Bitcoin’s Mortgage Market Entry Is Conditional
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币界网报道：The U.S. Office of the Comptroller of the Currency (OCC) has clarified that banks can offer Bitcoin-backed mortgages but must comply with existing lending regulations. Acting Comptroller Michael Hsu emphasized that while crypto-collateralized loans are permissible, banks must manage risks like volatility and ensure proper loan-to-value ratios. The OCC also warned against "chameleon cryptocurrencies" designed to evade regulations. This guidance comes as some lenders explore crypto-backed home loans, though adoption remains limited due to regulatory uncertainty and market instability. The OCC maintains its cautious stance on crypto integration in traditional banking services.
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