The GENIUS Act Just Made Crypto Mainstream in America

The U.S. government took the single biggest leap toward normalizing crypto as part of the American financial system. The newly signed GENIUS Act and soon-to-be-signed CLARITY Act create the first comprehensive federal framework for stablecoins and digital assets, transforming what was once a regulatory gray zone into a green light for institutional adoption.

In what’s been dubbed "Crypto Week" in Washington, D.C., the U.S. government just sent its strongest signal yet: digital assets are here to stay.

For long-term crypto holders, this isn't just a legislative milestone—it’s a lifestyle milestone. Crypto is no longer a fringe investment. It’s now part of the core American financial conversation—and that includes homeownership, making it easier to buy a home using your crypto—without triggering a sale, tax event, or margin loan.

Let’s break down why.

Trump's Bold Vision: "Crypto Capital of the Planet"

President Donald Trump signed the GENIUS Act into law on July 18, 2025, calling it a "giant step to cement American dominance of global finance and crypto technology." His message was crystal clear: 

"We want America to be the crypto capital of the planet."

This wasn’t just a talking point — it’s been a centerpiece of Trump’s campaign platform. Throughout 2024 and into his second term, Trump repeatedly positioned himself as a crypto-friendly candidate, pledging to end the regulatory uncertainty that drove innovators overseas. The GENIUS Act and the forthcoming CLARITY Act are the legislative manifestation of that promise.

That's why many believe these pieces of legislation are just the beginning of an aggressive federal policy shift aimed at embedding digital assets into the mainstream U.S. financial system. For the first time, the government has formally recognized stablecoins as a legitimate form of payment, granting them legal status within the traditional banking and regulatory infrastructure.

The GENIUS Act also introduces strict backing requirements, meaning every stablecoin issued must be supported 1:1 by real, safe, and liquid assets — such as U.S. dollars, short-term U.S. Treasuries, or equivalent cash-equivalent holdings. Meanwhile, the House advanced the CLARITY Act, which seeks to define whether individual crypto assets are securities (under SEC oversight) or commodities (regulated by the CFTC), offering long-needed clarity to both investors and developers.

Together, these bills open the door for massive institutional adoption, faster fintech innovation, and more use cases for crypto wealth — including real estate.

Widespread acceptance of crypto will also ultimately play a significant role in how lenders qualify borrowers for a mortgage. As crypto becomes increasingly recognized within the broader financial system, we're seeing how not just forward-thinking lenders but also Fannie Mae and Freddie Mac begin to explore accepting crypto-backed mortgages. At LendFriend, we already accept digital holdings as real, usable assets to qualify borrowers for bitcoin-backed mortgages and asset depletion mortgages .

What the GENIUS and CLARITY Acts Actually Do

GENIUS Act Highlights

• Recognizes stablecoins as a legitimate form of digital cash, placing them in the same policy tier as traditional currency alternatives. This legitimization opens the door for more widespread usage across payment platforms, banks, and fintech apps.

• Requires stablecoins to be fully backed by U.S. dollars, short-term Treasuries, or other secure assets. This ensures stability, accountability, and user confidence by eliminating the risk of unbacked or over-leveraged digital currencies.

• Enforces anti-money laundering standards and mandates regular third-party audits to prevent abuse, build transparency, and integrate stablecoins into the regulated economy without compromising security.

CLARITY Act Highlights (House-Passed)

• Defines whether digital tokens are securities (SEC) or commodities (CFTC), eliminating the confusion that has plagued crypto firms and legal teams for years.

• Reduces legal ambiguity for crypto businesses and investors by creating consistent rules across federal agencies, helping legitimate projects thrive while keeping bad actors in check.

• Paves the way for compliant token launches and exchange operations by establishing clear paths for registration, oversight, and market participation — which in turn fosters innovation without sacrificing regulation.

Where Crypto Stands in the Mortgage World Today

The mortgage world is finally starting to catch up with the realities of 21st-century wealth. As digital assets like Bitcoin and Ethereum transition from speculative vehicles to recognized financial instruments, lenders are beginning to shift their approach. A growing number of forward-thinking mortgage brokers — including LendFriend — now offer programs specifically designed to help crypto investors use their holdings to qualify for a mortgage, without selling or pledging their coins.

If you’ve built wealth in crypto, you’ve likely faced three common hurdles when trying to buy a home:

1. Selling assets triggers capital gains taxes

2. Traditional lenders don’t count crypto as income

3. Collateralized loans expose you to margin call risk

But now, with crypto legitimized at the federal level, and with the right mortgage structure, you don’t need to sell a single coin.

LendFriend's Solution: Cypto-Backed Asset Depletion Mortgages

At LendFriend, we help high-net-worth crypto holders use their digital assets to qualify for a mortgage — all without triggering taxes, selling their positions, or documenting traditional income like W-2s or pay stubs. Instead of relying on tax returns, our asset depletion model allows your crypto holdings to simulate steady monthly income, making it easier to qualify even if you're self-employed, retired, or taking a non-traditional path to wealth.

Our crypto-backed asset depletion loans allow you to:

• Use Bitcoin, Ethereum, and stablecoins as qualifying income

• Avoid liquidation or staking requirements

• Skip collateral requirements — no need to pledge or lock up your crypto holdings

Whether your portfolio is on Coinbase, cold storage, or held through a private custodian, we work with you to turn digital wealth into real property — no margin call, no hidden fees, no stress.

Here’s what that looks like in practice: If you hold $5 million in crypto, our asset depletion model can simulate a monthly income of over $41,000 — more than enough to qualify you for a mortgage of $2 million or more in a high-demand market like Austin, Texas. No sales, no tax events, and no explaining your wealth to lenders who don’t get it.

Want to Buy a House Without Selling Crypto?

The GENIUS Act and CLARITY Act have redefined the role of crypto in the American economy — not just as an investment class, but as a tool for building real wealth. With stablecoins now recognized as legitimate forms of payment and clear rules around token classification, digital assets are gaining a firm foothold in everyday finance — including how we buy homes.

At LendFriend Mortgage, we specialize in helping crypto investors turn digital wealth into homeownership. Whether you're holding Bitcoin, Ethereum, or stablecoins, our asset depletion programs let you qualify for a mortgage without selling, without triggering capital gains, and without W-2s or tax returns.

This is what financial infrastructure looks like in 2025: compliant, efficient, and crypto-friendly.

 Schedule a call with me today or get in touch with me by completing this quick form, and I can help answer any questions you might have about crypto and homebuying.