XRP’s Growing Role in U.S. Real Estate: Crypto Now Accepted for Mortgage Applications

In a significant development for the cryptocurrency market, the U.S. Federal Housing Finance Agency (FHFA) has approved the inclusion of cryptocurrency holdings, including XRP, as qualifying assets in mortgage applications. This regulatory milestone marks a pivotal step toward integrating digital assets into traditional financial systems. Prospective homeowners can now leverage their XRP and other crypto portfolios to secure loans, potentially broadening access to real estate financing. The move comes as the median U.S. home price stands at $420,000, offering crypto investors new avenues to utilize their holdings. This decision underscores the growing acceptance of cryptocurrencies like XRP in mainstream finance and could catalyze further adoption across other sectors. As of July 2025, this development signals a bullish trend for XRP's utility and value proposition in real-world applications.

XRP Gains Traction in U.S. Real Estate as Crypto Accepted for Mortgage Applications

The U.S. Federal Housing Finance Agency has greenlit the inclusion of cryptocurrency holdings as qualifying assets in mortgage applications, marking a pivotal moment for digital asset integration into traditional finance. This regulatory shift enables prospective homeowners to leverage their XRP and other crypto portfolios when securing loans.

At current prices, purchasing a median-priced $420,000 U.S. home outright WOULD require approximately 192,000 XRP. A standard 20% down payment translates to 38,400 XRP, though requirements escalate sharply in premium markets like San Francisco. The move signals growing institutional recognition of cryptocurrencies as legitimate financial instruments beyond speculative trading vehicles.

Market observers note this development coincides with XRP's price stabilization around $2.19, creating tangible utility benchmarks for the asset. While volatility remains a consideration, the housing policy shift establishes a concrete valuation framework for crypto in real-world transactions.

Ripple Launches Permissioned DEX for Institutional Crypto Trading on XRP Ledger

Ripple has unveiled a permissioned decentralized exchange (DEX) on the XRP Ledger (XRPL), targeting regulated financial institutions. The platform restricts trading to whitelisted participants within designated "Permissioned Domains," ensuring compliance without sacrificing market depth or transparency. SBI Group CEO Yoshitaka Kitao announced the initiative, marking Ripple's first concrete step toward institutional DeFi.

The XRPL can host multiple permissioned DEXs simultaneously, each with segregated order books for XRP, stablecoins, or wrapped assets. This architecture combines the scalability of decentralized infrastructure with the governance demands of traditional finance.

Permissioned DEX Goes Live on XRPL: Top Features to Know!

Ripple has launched a Permissioned Decentralized Exchange (DEX) on the XRP Ledger, targeting regulated financial institutions. This MOVE bridges the gap between decentralized finance and compliance, allowing approved entities to trade within a controlled environment while still supporting permissionless assets like XRP and stablecoins.

SBI Group CEO Yoshitaka Kitao highlighted the development, emphasizing its potential to unlock institutional access to DeFi. The permissioned DEX operates independently on the XRPL, offering unlimited trading pairs and maintaining strict regulatory adherence—a critical step toward broader crypto adoption.

U.S. Approves Cryptocurrency for Mortgage Collateral, Marking Major Financial Integration Milestone

The U.S. Federal Housing Finance Agency (FHFA) has greenlit the use of cryptocurrencies as collateral in mortgage applications, signaling a pivotal shift toward digital asset adoption in traditional finance. Homebuyers can now declare crypto holdings alongside conventional assets like stocks and bonds to bolster creditworthiness. Exchange-rate documentation will be required to address volatility concerns.

At XRP's current price of $2.19, purchasing a median-priced $420,000 U.S. home would require approximately 192,000 tokens. A standard 20% down payment translates to 38,400 XRP—figures that fluctuate with market movements, necessitating real-time valuation updates during transactions.

Ripple Doesn’t Control XRP? John Deaton Says It’s Decentralized

The long-standing debate over XRP's centralization has reached a turning point as regulatory clarity emerges in the U.S. Critics have often pointed to Ripple's 40% holdings of XRP supply as evidence of control, but this argument misinterprets the token's underlying mechanics. Crypto attorney John E. Deaton emphasized on June 26 that 75,000 XRP holders across 143 countries demonstrate robust decentralization, separating token ownership from protocol governance.

Legal developments have further solidified XRP's status. The conclusion of Ripple's nearly five-year SEC lawsuit on May 8, 2025 delivered a watershed moment — the court affirmed XRP's non-security status in secondary markets while imposing only a reduced penalty. This ruling effectively dismantles the centralization narrative that has shadowed the cryptocurrency since 2020.

Veteran Trader Shifts $7K to Kaanch After 37,000% XRP Gains

A trader who turned $700 into a six-figure sum through XRP's historic rally is now betting big on Kaanch, committing $7,000 after analyzing the LAYER 1 blockchain's roadmap. The move signals growing institutional-style conviction in emerging protocols.

Kaanch's presale has raised $2.6 million at $0.64 per token, with three days remaining before price doubles at exchange listing. The project offers 30% APY staking—a hybrid appeal to both yield farmers and long-term holders.

Market observers note the protocol's 0.8-second finality time positions it as a potential 2025 leader. Such technical benchmarks increasingly dictate capital allocation in the competitive Layer 1 space.