Bitcoin (BTC) continues its upward momentum, extending gains for a fourth consecutive day and trading just 4% below its all-time high. At the time of writing, BTC is valued above $107,400, buoyed by strong institutional inflows, corporate treasury adoption, and groundbreaking regulatory developments that could soon allow cryptocurrency to be used as an asset for mortgage eligibility.
With market sentiment firmly in bullish territory, investors are closely watching whether Bitcoin can break past its May 22 peak of $111,980 and establish a new record high in 2025.
Institutional Demand Fuels Bitcoin’s Rally
One of the primary drivers behind Bitcoin’s recent surge is the sustained institutional appetite for spot Bitcoin ETFs. On Wednesday alone, U.S.-listed spot BTC ETFs recorded over $547 million** in net inflows, marking the 12th consecutive day of positive flows since June 9. According to data from SoSoValue, weekly inflows have reached **$1.49 billion, levels not seen since late May—coinciding with Bitcoin’s previous all-time high.
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This consistent demand signals growing confidence among large investors and financial institutions in Bitcoin as a long-term store of value. Historically, such sustained ETF inflows have preceded or accompanied major price breakouts, reinforcing the idea that the current rally is fundamentally supported rather than speculative.
Beyond ETFs, major corporations are also doubling down on Bitcoin holdings. Japanese investment firm Metaplanet added 1,234 BTC to its reserves on Thursday, bringing its total holdings to 12,345 BTC. This follows their earlier purchase of 1,111 BTC earlier in the week, demonstrating a strategic commitment to increasing Bitcoin exposure.
Similarly, Anthony Pompliano’s ProCap BTC acquired an additional 1,208 BTC on Wednesday, adding to its Tuesday purchase. The fund now holds 4,932 BTC, reflecting a growing trend among corporate treasuries to diversify into hard assets like Bitcoin amid macroeconomic uncertainty.
Collectively, corporate buyers have added approximately 7,597 BTC this week alone—equivalent to over $800 million at current prices—further tightening supply and supporting upward price pressure.
Crypto as Collateral: A Game-Changer for Homeownership?
In a landmark move with far-reaching implications, the U.S. Federal Housing Finance Agency (FHFA) has directed government-sponsored enterprises Fannie Mae and Freddie Mac to begin preparations for recognizing cryptocurrency as a qualifying asset in mortgage underwriting processes.
William Pulte, Director of the FHFA, announced the directive on his official social media platform, stating:
“After significant studying… today I ordered Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage.”
While details on implementation timelines and valuation methodologies remain pending, this development could fundamentally reshape access to homeownership for millions of crypto holders. For the first time, individuals may be able to leverage their digital asset portfolios—previously excluded from traditional lending frameworks—to qualify for home loans.
This shift aligns with broader efforts to integrate blockchain-based assets into mainstream finance and could encourage other financial institutions to follow suit. Regulatory clarity around crypto asset valuation and risk assessment will be critical in determining how quickly this policy is adopted across the mortgage industry.
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Bitcoin Price Forecast: On the Brink of a New ATH
Bitcoin’s price action over the past week reflects growing bullish conviction. After dipping to a low of $98,200** on Sunday, BTC avoided closing below the psychologically important **$100,000 level. A swift recovery on Monday sparked a multi-day rally, culminating in a close above $107,000 on Wednesday.
At current levels near $107,400**, Bitcoin is within striking distance of its all-time high of **$111,980, reached on May 22. Technical indicators support continued upside momentum:
- The Relative Strength Index (RSI) sits at 56 on the daily chart—above the neutral 50 threshold—indicating healthy bullish strength without signs of overbought conditions.
- The Moving Average Convergence Divergence (MACD) has generated a bullish crossover as of Thursday, with potential for a confirmed buy signal upon daily candle closure.
A decisive close above $111,980 could open the path toward **$120,000**, especially if institutional inflows persist and macroeconomic conditions remain favorable.
However, short-term corrections remain possible. Should selling pressure intensify, immediate support lies at the 50-day Exponential Moving Average (EMA) around $103,543. A retest of this level would not necessarily invalidate the broader uptrend but could offer entry opportunities for new investors.
Frequently Asked Questions (FAQs)
What is driving Bitcoin’s recent price increase?
Bitcoin’s rally is primarily driven by sustained institutional demand through spot ETFs, corporate treasury acquisitions, and improving regulatory sentiment—particularly the FHFA’s move to recognize crypto as a mortgage-eligible asset.
Can you use Bitcoin to buy a house?
Not directly yet—but under the new FHFA directive, Fannie Mae and Freddie Mac are preparing to allow borrowers to include cryptocurrency holdings when applying for mortgages. This means your BTC balance could help qualify you for a home loan.
How close is Bitcoin to its all-time high?
As of this update, Bitcoin is trading around $107,400**, just **4% below** its record high of **$111,980 set in May 2025.
What happens if Bitcoin surpasses $111,980?
A confirmed breakout above the previous ATH could trigger algorithmic buying and renewed investor enthusiasm, potentially accelerating momentum toward $120,000 or higher.
Are altcoins benefiting from Bitcoin’s rally?
Currently, Bitcoin dominance remains strong—suggesting capital is flowing into BTC rather than altcoins. However, once BTC stabilizes at new highs, capital rotation into altcoins often follows in what’s known as the "altseason."
Is now a good time to invest in Bitcoin?
Market conditions appear favorable due to strong fundamentals and technical momentum. However, all investments carry risk—especially in volatile markets—and proper due diligence is essential before entering any position.
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Final Thoughts
Bitcoin stands at a pivotal juncture in 2025. With robust institutional support, increasing corporate adoption, and progressive regulatory steps like mortgage eligibility recognition, the foundation for a new all-time high appears solid.
While short-term volatility should be expected, the confluence of technical strength and fundamental tailwinds suggests that BTC may not only reclaim its previous peak but exceed it, potentially setting its sights on $120,000 in the coming weeks.
For investors and observers alike, this moment underscores Bitcoin’s evolving role—not just as a speculative asset, but as an increasingly integrated component of the global financial system.
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