The cryptocurrency market is experiencing renewed momentum as Bitcoin price surges past $108,000 amid growing institutional interest and regulatory developments. While digital assets continue to gain traction across financial sectors, key players in government, traditional finance, and real estate are exploring how blockchain technology and crypto holdings can reshape long-standing systems — from ETF approvals to mortgage eligibility.
This article explores the latest movements in the crypto space, including Bitcoin’s bullish rally, regulatory shifts, and the potential integration of digital assets into mainstream financial frameworks like housing loans and exchange-traded funds.
Bitcoin Reclaims Momentum Amid Geopolitical Uncertainty
Bitcoin surged above $108,000 on Wednesday, showcasing resilience despite ongoing geopolitical tensions in the Middle East. While global markets remain near all-time highs, BTC’s performance stands out as a signal of increasing investor confidence in digital assets as a hedge against macroeconomic uncertainty.
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Although Bitcoin continues its upward trajectory, the broader crypto market shows mixed results. Ethereum and Solana both saw slight declines during afternoon trading, reflecting selective investor focus on flagship assets rather than broad altcoin strength. This divergence highlights Bitcoin's enduring role as the market leader and safe haven within the crypto ecosystem.
Fed Chair Endorses Stability in Stablecoin Sector
In a significant moment for crypto legitimacy, Federal Reserve Chair Jerome Powell addressed the Senate Banking Committee on Wednesday, emphasizing the growing maturity of the stablecoin industry.
Powell noted that stablecoins have evolved significantly over the past few years, becoming an increasingly integrated component of the mainstream financial system. His comments suggest a cautious but open stance toward regulated digital currencies, particularly those backed by tangible assets such as the U.S. dollar.
This recognition from one of the most influential financial regulators signals a pivotal shift: digital assets are no longer fringe experiments but viable tools with real-world financial applications. The remarks also underscore the importance of clear regulatory frameworks to ensure consumer protection and systemic stability.
Could Crypto Holdings Qualify You for a Mortgage?
A groundbreaking proposal could soon allow cryptocurrency holdings to be considered when applying for a mortgage. William Pulte, director of the Federal Housing Finance Agency (FHFA) and heir to the PulteGroup homebuilding legacy, has called on Fannie Mae and Freddie Mac to study how crypto assets might be used in mortgage qualification processes.
Currently, most lenders assess borrowers based on traditional financial metrics — income, credit score, and liquid bank balances. But with more Americans holding substantial value in digital wallets, excluding crypto from lending evaluations may no longer reflect true net worth.
Pulte’s initiative aims to modernize lending standards by recognizing blockchain-based assets as part of a borrower’s financial profile. If implemented, this could open doors for thousands of crypto investors to leverage their digital wealth toward homeownership — potentially revolutionizing personal finance and real estate markets alike.
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While details remain under review, the proposal marks a critical step toward full integration of crypto into traditional finance.
NYSE Advocates for Trump-Linked Cryptocurrency ETF
The New York Stock Exchange (NYSE) has formally requested rule changes to facilitate the launch of a cryptocurrency ETF tied to former President Donald Trump’s social media platform, Truth Social. If approved by the Securities and Exchange Commission (SEC) within the next 90 days, this would mark a major milestone in politically themed digital assets.
The proposed ETF would not directly invest in Bitcoin or Ethereum but would instead track tokens or digital instruments associated with Trump’s media venture. However, the filing has sparked broader discussions about the future of crypto ETFs and the SEC’s evolving stance on digital asset products.
This move follows recent approvals of spot Bitcoin and Ethereum ETFs, suggesting that regulated crypto investment vehicles are gaining acceptance on Wall Street. The NYSE’s involvement further legitimizes the space and may encourage additional innovation in tokenized asset offerings.
Senate Advances Bipartisan Crypto Regulatory Framework
On Tuesday, Senator Cynthia Lummis unveiled a new bipartisan bill aimed at establishing clear “road rules” for cryptocurrency regulation in the United States. Speaking on CNBC’s Squawk Box the following day, she emphasized America’s need to lead in digital asset policy rather than fall behind international markets.
“Countries like Japan, Switzerland, and Singapore already have structured frameworks for digital assets,” Lummis stated. “It’s time the U.S. provides clarity so innovators can build here without fear of arbitrary enforcement.”
The proposed legislation seeks to define jurisdictional boundaries between agencies like the SEC and CFTC, protect consumer rights, and promote responsible innovation. With growing consensus among policymakers, there’s cautious optimism that comprehensive federal crypto regulation could become reality in 2025.
Digital Asset Firm Raises $135 Million from Top Financial Institutions
In one of the week’s most notable funding rounds, Digital Asset Holdings announced it had secured $135 million in new capital from elite financial institutions, including Goldman Sachs and Citadel Securities. The company, led by CEO Yuval Rooz, plans to use the funds to expand its blockchain infrastructure solutions for capital markets.
Rooz highlighted that the investment reflects deepening trust between traditional finance and blockchain innovators. “We’re building systems that bring efficiency, transparency, and automation to trading, settlement, and clearing,” he said in an interview.
This infusion of institutional capital underscores a broader trend: legacy finance is not only acknowledging crypto but actively investing in its underlying technology to modernize outdated systems.
Frequently Asked Questions
Q: Can I use Bitcoin to get a mortgage today?
A: Not yet on a broad scale. While the FHFA is studying the idea, most lenders still require traditional proof of income and bank statements. However, pilot programs may emerge in the coming years.
Q: What is a crypto ETF?
A: A cryptocurrency exchange-traded fund (ETF) allows investors to gain exposure to digital assets like Bitcoin or Ethereum through traditional stock exchanges without holding the actual coins.
Q: Why did Bitcoin rise despite global tensions?
A: Many investors view Bitcoin as a hedge against economic instability and inflation. During times of uncertainty, demand often increases as people seek alternative stores of value.
Q: Is the U.S. falling behind in crypto regulation?
A: Some experts believe so. While countries like Singapore and Switzerland have clear crypto laws, the U.S. has relied on enforcement actions rather than proactive legislation — though recent bills aim to change that.
Q: How do stablecoins work?
A: Stablecoins are cryptocurrencies designed to maintain a stable value, usually pegged to assets like the U.S. dollar. They combine blockchain efficiency with price predictability, making them useful for payments and trading.
Q: Will political figures influence crypto markets more in 2025?
A: Increasingly so. With figures like Trump launching blockchain ventures and lawmakers proposing new laws, politics and digital assets are becoming more intertwined.
Final Thoughts: Crypto’s Path Toward Mainstream Integration
The events of this week illustrate a pivotal phase in cryptocurrency adoption. From central bank recognition to housing finance innovation and Wall Street product development, digital assets are moving beyond speculation into functional utility.
Core keywords driving this transformation include Bitcoin price, crypto ETF, stablecoin regulation, mortgage eligibility, institutional investment, digital asset infrastructure, cryptocurrency legislation, and blockchain adoption — all converging to shape a more inclusive and technologically advanced financial future.
As boundaries blur between traditional finance and decentralized systems, staying informed is essential for investors, policymakers, and everyday users alike.
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