On June 26, 2025, Changpeng Zhao (CZ), the co-founder and former CEO of Binance, made a bold prediction on X, stating that owning just 0.1 Bitcoin (BTC) will soon be worth more than a house in the United States. His statement, which sparked widespread discussion, was in response to a U.S. Federal Housing Finance Agency (FHFA) announcement that Fannie Mae and Freddie Mac are exploring the inclusion of cryptocurrencies, like Bitcoin, as reserve assets for mortgage applications. CZ’s post read, “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.” Social media reactions, such as “IT’S COMING!!!,” reflect the crypto community’s excitement over this bullish outlook.
With Bitcoin trading at approximately $113,846 as of August 21, 2025, 0.1 BTC is currently worth around $11,385. For CZ’s prediction to hold, Bitcoin’s price would need to rise significantly to surpass the value of a typical U.S. home, estimated at $412,300 (median home price per Redfin, July 2025). Below, we explore CZ’s statement, its context, and the implications for Bitcoin investors and the broader crypto market.
CZ’s Prediction: Context and Rationale
CZ’s statement was triggered by a post from William J. Pulte, Director of the FHFA, announcing that cryptocurrencies could soon count as assets for single-family mortgage loans. This regulatory shift, allowing Bitcoin to serve as proof of financial reserves without conversion to fiat, marks a significant step toward mainstream adoption. CZ’s key points include:
- New American Dream: He suggested that owning 0.1 BTC could replace homeownership as a symbol of financial success, driven by Bitcoin’s potential price appreciation.
- Institutional Acceptance: The FHFA’s move signals growing legitimacy for Bitcoin, potentially increasing its use cases and adoption, as CZ noted, “This is great to see, BTC count as assets for mortgage!”
- Price Potential: For 0.1 BTC to exceed $412,300, Bitcoin’s price would need to reach approximately $4.12 million per coin, implying a 36-fold increase from its current value.
CZ’s prediction aligns with his earlier bullish forecasts, such as his April 2025 claim that Bitcoin could hit $1 million, and reflects his long-standing belief in Bitcoin’s scarcity-driven value, as he sold his Shanghai apartment in 2014 to invest fully in BTC.
Market Context: Why 0.1 BTC Could Outvalue a Home
CZ’s prediction is rooted in several market dynamics:
- Supply Scarcity: The 2024 Bitcoin halving reduced daily issuance to 450 coins, tightening supply against rising demand. With only 21 million BTC ever to exist, and millions lost or held indefinitely, 0.1 BTC (about $11,385 today) could become increasingly valuable.
- Institutional Adoption: Recent moves include the New York State Common Retirement Fund’s 143% Bitcoin exposure increase, Goldman Sachs’ $1.558 billion in ETF holdings, and Hong Kong’s Ming Shing Group’s $483 million BTC purchase.
- Regulatory Progress: The U.S. Digital Asset Market Clarity Act’s expected 2025 passage, the Federal Reserve’s framework for banks to offer crypto services, and the GENIUS Act for stablecoins reduce barriers for institutional entry.
- Global Trends: Brazil’s hearing on a $19 billion Bitcoin reserve, Buenos Aires accepting crypto for taxes, and sovereign funds like Norway’s ($400 million in indirect BTC exposure) signal global adoption.
- Macroeconomic Factors: With U.S. debt at $37 trillion and inflation concerns, Bitcoin’s role as a hedge against fiat devaluation is gaining traction, as noted by industry leaders like Brian Armstrong, who predicts $1 million by 2030.
For 0.1 BTC to surpass $412,300, Bitcoin would need to hit $4.12 million, a level some analysts, like Cathie Wood, argue is feasible long-term if Bitcoin captures a fraction of gold’s $16 trillion market cap.
Mixed Reactions and Feasibility
CZ’s prediction sparked debate on X:
- Supporters: Many praised the FHFA’s move and CZ’s vision, with users like @AngryBuhda stating, “Bitcoin as pristine collateral will make more and more sense to the right people.” Some echoed the sentiment that Bitcoin could redefine wealth, with one user noting, “0.1 BTC as the new American Dream is bold but plausible.”
- Skeptics: Critics dismissed the claim as “overhyped,” citing Bitcoin’s volatility and the challenge of reaching $4.12 million in the near term. Others argued that home prices vary widely, with median values ranging from $300,000 in some states to over $1 million in California.
To assess feasibility, consider:
- Current Valuation: At $113,846, 0.1 BTC ($11,385) is far below the $412,300 median U.S. home price.
- Price Trajectory: Reaching $4.12 million would require a 36-fold increase, potentially achievable by 2035 if Bitcoin grows at a 40% annualized rate, as seen in past bull cycles (e.g., 2017, 2021).
- Market Drivers: Institutional inflows, sovereign adoption (e.g., Brazil’s $19 billion proposal), and regulatory clarity could drive exponential growth, though volatility remains a risk.
Implications for Investors
CZ’s prediction offers key insights for crypto investors:
- Long-Term Potential: If Bitcoin reaches $1 million by 2030, as predicted by Armstrong, 0.1 BTC would be worth $100,000, still below a typical home but significant. A $4.12 million price would make 0.1 BTC transformative.
- Volatility Risks: Short-term price swings are likely, especially with macroeconomic events like today’s Initial Jobless Claims report at 8:30 a.m. ET, which could influence Fed rate cut decisions and Bitcoin’s price.
- Secure Strategies: Use regulated platforms like Coinbase, Kraken, or ETFs like BlackRock’s IBIT, and store assets in hardware wallets to mitigate risks.
- Monitor Trends: Track FHFA policies, sovereign adoptions (e.g., Brazil, El Salvador), and institutional inflows to gauge Bitcoin’s trajectory.
Final Thoughts: Is 0.1 BTC the Future American Dream?
Changpeng Zhao’s bold claim that 0.1 Bitcoin will soon be worth more than a U.S. home has ignited debate and excitement, reflecting Bitcoin’s growing legitimacy as a store of value. While reaching $4.12 million per Bitcoin is a long-term prospect, the FHFA’s move to recognize crypto as a mortgage asset, combined with global adoption and supply constraints, supports CZ’s bullish vision. As the crypto community rallies with “IT’S COMING!!!,” investors are at a pivotal moment.
With the U.S. Initial Jobless Claims report due at 8:30 a.m. ET, volatility is expected. Stay tuned for updates on Bitcoin price movements, regulatory developments, and more crypto insights as this transformative story unfolds.
Disclaimer: This article is for informational purposes only and not financial advice. Cryptocurrency investments carry risks.