Key Takeaways
- CZ, Saylor, and Pulte claim 0.1 bitcoin could surpass homeownership as the new American Dream.
- US housing policy now allows bitcoin to be counted as an asset for mortgage applications.
- Rising home prices and student debt are pushing younger generations to view bitcoin ownership as a symbol of financial independence.
A growing movement led by Binance founder Changpeng Zhao (CZ), MicroStrategy chair Michael Saylor, and US housing official William Pulte suggests that owning 0.1 Bitcoin could soon outvalue traditional homeownership.
This comes as US policymakers, including Pulte, move to recognize bitcoin as a legitimate asset for mortgage applications.
CZ stated in a recent post:
“The current American Dream is to own a home. The future American Dream will be to own 0.1 BTC, which will be more than the value of a house in the US.”
Pulte, director of the Federal Housing Finance Agency, ordered Fannie Mae and Freddie Mac to count bitcoin and other cryptocurrencies as assets for mortgage qualification. He announced:
“After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.”
Michael Saylor praised the move, declaring:
“Congratulations. Future generations will remember this as the moment Bitcoin entered the American dream.”
Bitcoin as the new milestone for younger generations
Bitwise’s Jeff Park explained that for Millennials and Gen Z, becoming a “wholecoiner”—owning 1 BTC—may now represent the new benchmark of financial independence as US housing prices soar and student debt remains high.
Recent data shows the median homebuyer payment has become increasingly unaffordable, while bitcoin, trading at over $106,000, offers global access and digital autonomy.
A Jumper Learn blog summarized the generational shift:
“Owning one Bitcoin is viewed as a milestone akin to homeownership in previous generations, anchored not to land but to sound money and digital autonomy.”
As bitcoin becomes further integrated into the American financial system, some suggest the modern American Dream could soon be measured in satoshis, not square footage.
