Binance Founder Declares: Owning 0.1 Bitcoin Is the Ultimate American Dream in 2025

The American Dream gets a crypto makeover—Binance's founder claims 0.1 BTC is the new benchmark for financial freedom.

Forget white picket fences. The 21st-century gold rush is digital, and the entry ticket is smaller than you think.

Why 0.1 Bitcoin? It's the psychological tipping point where 'I own crypto' becomes 'I'm building generational wealth' (or so the pitch goes).

Wall Street analysts scoff—while quietly recalculating their own portfolios. After all, nothing disrupts tradition like a decentralized asset outpacing their beloved S&P 500.

One thing's certain: the dream isn't dead. It just runs on blockchain now.

Bitcoin as Mortgage Reserve: A Policy Shift in the Making

The catalyst behind CZ’s declaration came from William J. Pulte, Director of the Federal Housing Finance Agency (FHFA), who revealed that Fannie Mae and Freddie Mac have been instructed to explore the inclusion of cryptocurrencies as reserve assets.

Until now, mortgage applicants were only allowed to count fiat-based liquid reserves—such as cash in bank accounts or retirement portfolios—toward mortgage eligibility. Cryptocurrencies were excluded unless first converted to cash. But under the FHFA’s new directive, crypto holdings could be recognized if they are:

• Verifiable

• Held on U.S.-regulated centralized exchanges

• Subjected to appropriate risk-based discounts

The agency stated this change could broaden access to homeownership, especially for younger, crypto-savvy generations who hold significant value in digital assets rather than traditional savings accounts.

CZ: 0.1 BTC Could Be Worth More Than a House

Responding on social media platform X (formerly Twitter), CZ applauded the FHFA’s move, saying:

“This is great to see, BTC count as assets for mortgage! The current American Dream is to own a home. The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the U.S.”

CZ’s prediction is bold but aligns with the long-term belief among bitcoin maximalists that BTC’s scarcity and decentralized nature will drive up its value exponentially. With only 21 million BTC ever to exist—and millions already lost or held indefinitely—owning even 0.1 BTC (about $10,500 at current prices) could potentially be life-changing.

Why This Policy Change Matters for Crypto and Real Estate

The inclusion of Bitcoin in mortgage qualification signals a deepening institutional acceptance of digital assets. If Fannie Mae and Freddie Mac begin accepting BTC, it sets a precedent for other government and financial institutions to follow suit.

Proponents argue that this shift:

• Legitimizes crypto as a store of value

• Expands financial access for people whose wealth lies in digital rather than traditional assets

• Incentivizes crypto adoption as a long-term savings tool

Critics, however, warn about volatility risks. BTC’s price can fluctuate by thousands of dollars in a matter of days, creating uncertainty for lenders evaluating reserve strength. There are also regulatory concerns, especially with crypto’s evolving tax and legal framework in the U.S.

Still, with risk-adjusted discounts and oversight, backers believe digital asset integration can be managed responsibly.

Pulte: U.S. to Become Global Crypto Leader

William Pulte described the FHFA MOVE as a step toward making the United States the “crypto capital of the world.” His remarks underscore a growing trend of pro-crypto policy advocacy from financial leaders and institutions.

If successful, this policy change could lead to a Ripple effect, encouraging banks, insurers, and even retirement fund managers to re-evaluate crypto’s role in wealth management and credit assessment.

Final Thoughts: Is Bitcoin the New White Picket Fence?

The idea of the American Dream has traditionally centered on homeownership, stable employment, and a middle-class lifestyle. But as the economy shifts toward digitization, a new version of that dream may be emerging—one that values decentralized wealth over property.

Changpeng Zhao’s statement, while provocative, highlights the growing economic significance of Bitcoin. If 0.1 BTC truly becomes worth more than the average U.S. home in the future, early adopters could find themselves at the center of a generational wealth shift.

While housing remains a key life goal for many, digital assets like BTC are becoming part of that equation—not a replacement, but a complementary path to financial security.

As the U.S. government and regulators continue to integrate crypto into formal systems, owning a fraction of a Bitcoin may soon carry more institutional and societal weight than ever imagined.