據路透社報導，Coinbase 宣布與抵押貸款業者 Better Home & Finance 達成合作，允許購屋者抵押其帳戶中的比特幣或 USDC 以取得購屋頭期款貸款。該筆頭期款貸款將與由房利美（Fannie Mae）擔保的主要房屋抵押貸款分開作業。購屋者可藉此避免直接出售加密資產，進而保留潛在增值空間並遞延稅負；且隻要按期還款，即使抵押品價格下跌，也不會觸發補繳保證金的要求。

Reuters reports that Coinbase has announced a partnership with mortgage lender Better Home & Finance, allowing homebuyers to pledge Bitcoin or USDC held in their accounts to secure loans for home down payments. These down-payment loans will be separate from primary mortgages backed by Fannie Mae.

The arrangement enables homebuyers to avoid selling crypto assets directly, preserving potential upside and deferring tax liabilities. Additionally, no margin calls will be triggered even if collateral prices decline, as long as repayments are made on time.