Mortgage interest rates have taken a notable downturn, marking a significant shift in the borrowing landscape. Even mainstream financial media outlets are covering this development closely. Lower mortgage rates typically ripple through the broader financial ecosystem—influencing consumer spending power, real estate activity, and ultimately investor appetite for alternative assets like cryptocurrencies. When traditional debt becomes cheaper, it often reshapes capital allocation strategies across all asset classes. Market participants are watching this trend carefully as it may signal broader economic implications for 2025.