According to a report by Cointelegraph on July 19, the Federal Housing Finance Agency (FHFA) recently issued directives to explore the inclusion of cryptocurrencies in the risk assessment of single-family home mortgages. This initiative could allow long-term cryptocurrency holders to use their digital assets when applying for a mortgage, without the need for liquidation. The directive emphasizes that assets must be verified and stored through U.S.-regulated centralized exchanges but does not mandate custody at the exchange. Self-custodied assets are considered the cornerstone of the crypto system due to their transparency, security, and lower counterparty risk. Experts are calling for the establishment of a reasonable framework that supports both self-custodied and custodial assets, while applying appropriate valuation discounts for fluctuations, to promote the modernization of housing finance.