The news: JPMorgan is reportedly considering offering loans directly backed by clients' Bitcoin and other crypto assets, per Bitcoin Magazine. This would be a first for the big bank, moving beyond accepting only Bitcoin exchange-traded funds as collateral.
Potential implications: Our report “Home Lending Trends 2025” reveals that younger consumers have been waiting to apply for major loans like mortgages, because they lack the capital. However, they are more likely than older consumers to have crypto assets, which could open up more avenues for them to secure loans.
In turn, this move could improve demand for home lending products, which has been sluggish since rates increased in late 2022.