Overview
Bitcoin is now functioning as collateral in U.S. municipal bonds and residential mortgages, marking its integration into traditional finance. New Hampshire issued the first Moody’s-rated Bitcoin-backed municipal bond with a Ba2 rating, featuring 1.6x overcollateralization and dynamic liquidation triggers managed by BitGo. Concurrently, Coinbase and Better Home & Finance launched conforming, crypto-supported mortgages allowing digital assets as collateral for down payments. These developments, supported by recent regulatory actions, signify Bitcoin’s normalization as high-quality collateral, enabling greater financial interoperability and capital efficiency.
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Apr 4, 2026 8:00 AM