TD₿: Bitcoin Now Counts Toward Your Mortgage—Here’s What That Means - (a Swan Signal segment) with Brandon, Steven, Brady and John
TL;DR: Bitcoin is now being treated as an asset in mortgage applications, marking a major step toward mainstream financial integration. This removes a key barrier for borrowers holding Bitcoin.
Hey Bitcoiners,
The Federal Housing Finance Agency (FHFA) has issued guidance for Fannie Mae and Freddie Mac to begin treating Bitcoin as an asset in mortgage applications. This marks a significant milestone in Bitcoin’s integration into legacy finance.
Historically, Bitcoin was excluded from asset calculations, making it harder for Bitcoin holders to qualify for loans. This new guidance doesn’t mean Bitcoin can be used as collateral or income, but it does allow lenders to consider it in net worth and cash reserve assessments - key components of mortgage eligibility.
NOTE: However, this only applies if the Bitcoin is held in regulated custodial accounts, not self-custodied wallets.
Despite the headline-grabbing shift, practical limitations remain. Mortgage lenders will still prioritize credit score, employment history, and debt-to-income ratio above asset holdings. Bitcoin’s inclusion helps primarily for cash reserve requirements or potentially, in the future, as imputed income - if rules evolve to allow it.
Self-custody remains a sticking point, as banks are unlikely to count assets held outside recognized institutions. The move is a great first step toward normalization as THE collateral digital asset in an increasingly more digital world and existence; but broader adoption and usability in the mortgage process will depend on further regulatory evolution and bank-level implementation.
Tick tock next block,
The Swan Education Team
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Quote of the Day
“Being weird is one of Bitcoin’s defense mechanisms.”
- Alex Gladstein
Job of the Day
Bitcoin Multi-Sig Wallet Engineer (Freelance, PSBT/Descriptor Focus)
Evoke Solutions
United Kingdom / Hybrid
Contract / Freelance
£8-14k (Weekly)
Engineering / Financial Services
Evoke Solutions is the UK’s first Bitcoin treasury consultancy for HNWIs and SMEs. We deliver secure, non-custodial, multi-sig wallet setups with inheritance, governance, and risk controls baked in.
We’re now building a simple interface to abstract away technical complexity for clients. Think: 2-of-3 wallet builder + Trezor integration + recovery test flow + PDF governance export.
We need a Bitcoin-Native Engineer with real PSBT experience, who can help us build the first version of this product fast, clean, and secure.
What You’ll Work On
2-of-3 wallet creation flow (with descriptors + address validation)
Hardware wallet integration (Trezor via WebUSB or HWI)
PSBT signing coordination (offline + online flows)
Recovery simulation and signing UX
Exportable PDF of wallet structure & governance model
(Optional) lightweight admin dashboard to track setups
You Should Know
BitcoinJS, Specter, Sparrow or Electrum experience
PSBTs, Miniscript, or descriptor-based wallet design
Familiarity with multi-sig coordination and hardware signing
Clean UX thinking — we're not trying to build a bloated dashboard
Bonus: experience with similar wallet projects
Budget & Rate
Fee Range: £8,000 – £14,000 ($10,000 – $18,000 USD)
Engagement: 8–12 weeks freelance (extension possible)
Paid in fiat
Not your particular skill set? Check out all the Bitcoin Jobs at bitcoinerjobs.com.
In the Headlines
Vanadi Coffee Approves €1 Billion Bitcoin Treasury Strategy
Vanadi Coffee, a small Spanish café chain with six locations in Alicante, has received shareholder approval to adopt Bitcoin as its primary treasury reserve asset, with plans to invest up to €1 billion. The company recently acquired 20 additional BTC, bringing its total holdings to 54 BTC - worth approximately €5.8 million - custodied by Spain-based Bit2Me.
This move positions Vanadi as Spain’s largest publicly listed Bitcoin-holding company. Shares of Vanadi, listed on Spain’s BME Growth exchange, have tripled in the past month. Two investment proposals - from a local software firm and international fund Alpha Blue Ocean - may support the company’s Bitcoin acquisition plan.
Swan Shortie of the Day
Event of the Day
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Meme of the Day
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