币界网报道：The U.S. government has signaled openness to crypto-backed mortgages through new guidance from the Federal Housing Administration (FHA). In a recent mortgagee letter, the FHA clarified that lenders may accept cryptocurrency assets as collateral for traditional mortgages, provided they comply with existing regulations on verifying funds and documenting sources. While not explicitly endorsing crypto mortgages, the move creates a potential pathway for borrowers to leverage digital assets without liquidating them. The guidance requires lenders to thoroughly evaluate crypto collateral's stability and convertibility to cash, treating it similarly to other non-traditional assets. This development comes as some private lenders already offer crypto-backed home loans, though mainstream adoption remains limited due to volatility concerns. The FHA's stance could encourage more financial institutions to explore crypto mortgage products while maintaining strict risk assessment protocols.