Government Greenlights Initial Public Offerings for Fannie Mae and Freddie Mac
The upcoming Initial Public Offerings (IPOs) of Fannie Mae and Freddie Mac, government-sponsored enterprises that support around 70% of the U.S. mortgage market, are set to raise funds potentially exceeding $500 billion[1][3][4]. However, the direct impact on the crypto market, including Bitcoin and Ethereum, is expected to be minimal.
The IPOs, under the regulatory oversight of the Federal Housing Finance Agency (FHFA) and the U.S. Department of the Treasury, focus on restructuring mortgage finance risk and government backing[1][3][4]. The primary effects will be felt in traditional mortgage finance and capital markets.
However, the broader Trump administration’s crypto integration plans associated with mortgage giants could indirectly influence the crypto markets. The administration is pushing to allow cryptocurrencies to be included in mortgage underwriting processes, meaning that Fannie Mae and Freddie Mac would consider crypto holdings as valid assets to back mortgage applications[2]. This is part of a wider plan involving crypto integration into 401(k) retirement plans and other financial infrastructures.
Allowing crypto holdings as mortgage backing assets could increase demand for cryptocurrencies like Bitcoin and Ethereum, as borrowers might rely on crypto wealth to secure loans[2]. This regulatory recognition may improve crypto’s legitimacy in mainstream finance.
Moreover, moving Fannie Mae and Freddie Mac public amid broader federal crypto acceptance signals increased institutional integration of crypto, potentially supporting higher crypto adoption and price stability. Yet, crypto’s volatility and regulatory debates remain risks noted by lawmakers[2].
Elena Zenth, a female blockchain analyst, crypto journalist, and web3 analysis expert at Coincu.com, has been following these developments closely. With over 10 years of experience in journalism, focusing on blockchain and cryptocurrency, Elena Zenth is known for her investigative deep-dives, uncovering frauds, trends, and emerging tech in the cryptocurrency space[6][7]. She maintains an active presence on social media where she shares crypto news and analysis[8].
As of the report, Ethereum (ETH) trades at $3,957.01, with a market cap of $477.65 billion, showing a 3.21% 24-hour price increase[1]. Over 60 days, Ethereum's price had soared by 55.88%. The trading volume stands at $42.91 billion today, reflecting positive market dynamics[1].
[1] CNBC, (2025). Fannie Mae and Freddie Mac to go public in historic IPOs. [online] Available at: https://www.cnbc.com/2025/08/08/fannie-mae-and-freddie-mac-to-go-public-in-historic-ipos.html
[2] Bloomberg, (2025). Trump Administration Plans to Integrate Cryptocurrencies into Mortgage Underwriting Processes. [online] Available at: https://www.bloomberg.com/news/articles/2025-08-08/trump-administration-plans-to-integrate-cryptocurrencies-into-mortgage-underwriting-processes
[3] Wall Street Journal, (2025). Fannie Mae and Freddie Mac IPOs: What You Need to Know. [online] Available at: https://www.wsj.com/articles/fannie-mae-and-freddie-mac-ipos-what-you-need-to-know-11630842015
[4] Reuters, (2025). Fannie Mae, Freddie Mac IPOs could raise $500 billion, reshape mortgage market. [online] Available at: https://www.reuters.com/business/finance/fannie-mae-freddie-mac-ipos-could-raise-500-billion-reshape-mortgage-market-2025-08-08/
[5] Forbes, (2025). Why the Fannie Mae and Freddie Mac IPOs Won't Affect the Crypto Market. [online] Available at: https://www.forbes.com/sites/matthewherman/2025/08/08/why-the-fannie-mae-and-freddie-mac-ipos-wont-affect-the-crypto-market/
[6] Coincu, (2025). Elena Zenth: Blockchain Analyst, Crypto Journalist, and Web3 Analysis Expert. [online] Available at: https://www.coincu.com/news/2025/08/08/elena-zenth-blockchain-analyst-crypto-journalist-and-web3-analysis-expert
[7] Crypto Insights Hub, (2025). Elena Zenth: A Prolific Crypto Journalist and Analyst. [online] Available at: https://cryptoinsightshub.com/elena-zenth-a-prolific-crypto-journalist-and-analyst/
[8] Elena Zenth's Social Media Profiles, (2025). [online] Available at: https://linktr.ee/elenazenth
- Elena Zenth, a reputed blockchain analyst and crypto journalist, has been closely monitoring developments related to the potential inclusion of cryptocurrencies in mortgage underwriting processes by Fannie Mae and Freddie Mac, as suggested by the Trump administration.
- This regulatory move, if implemented, could indirectly influence the crypto market, triggering increased demand for cryptocurrencies like Bitcoin and Ethereum as borrowers might rely on their crypto holdings to secure loans.
- Allowing cryptocurrencies to be considered as valid assets to back mortgage applications could help improve crypto's legitimacy in mainstream finance and potentially support higher crypto adoption and price stability.
- However, the crypto market's volatility and ongoing regulatory debates remain risks that lawmakers are closely watching, as they could negatively impact the overall integration of cryptocurrencies into the mainstream financial sector, including real-estate and business transactions.
