I saw a news story yesterday that almost made me drop my phone——Major US lending institution Newrez announced that starting from February, it will officially accept cryptocurrencies such as Bitcoin and Ethereum as proof of assets for mortgage approval. The key point is: you don't need to sell your coins; assets stored in hardware wallets can directly participate in credit evaluation.

How big is this? Think about it—we've used Bitcoin to buy pizza, cars, but those were all small transactions. Now, it's different—cryptocurrencies are being incorporated into the core rules of credit review by mainstream financial institutions for the first time. This is not a trial by a small bank, but an official announcement from a well-known mortgage lender across the US.

In plain terms, what does this mean? The game rules on Wall Street are changing. When your asset portfolio includes cryptocurrencies and they help you get better mortgage terms, they have upgraded from "speculative assets" to "real assets." From a purely investment perspective, this institutional recognition gives cryptocurrencies a new valuation position.

The market is always looking for a turning point. This time, the signal comes from the most traditional place—the mortgage market. Quiet but loud, it tells everyone: cryptocurrencies are becoming an increasingly important part of wealth allocation for more and more people. Perhaps not long from now, banks around the world will follow suit with similar policies.

The true future doesn't appear out of nowhere; it lies in every moment when boundaries are broken. For those holding cryptocurrencies, this door has already opened.