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Not that I would claim to be an expert having only traded billions and billions of MBS but pretty sure the collateral for a mortgage is, you know, the property the mortgage is on, not some random crypto.
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“Pretty soon you can use crypto as collateral for a mortgage” — uh, no, I don’t think “counting something as an asset when assessing an applicant’s ability to repay” means pledging it as collateral. It’s a stretch of the term at best
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