币界网报道：The U.S. Federal Housing Finance Agency (FHFA) has officially recognized Bitcoin as a reserve asset for mortgage lending, marking a significant regulatory milestone for cryptocurrency adoption in traditional finance. The decision allows federally-backed mortgage lenders to hold Bitcoin as part of their reserve requirements, providing institutions with more flexibility in managing their capital structures. FHFA Director Sandra Thompson stated the move reflects the agency's commitment to "modernizing housing finance while maintaining safety and soundness." Several major lenders including Rocket Mortgage and loanDepot have already begun adjusting their reserve strategies to incorporate Bitcoin holdings. The announcement follows months of industry consultation and comes as institutional Bitcoin adoption continues growing, with BlackRock's spot Bitcoin ETF recently surpassing $10 billion in assets. Analysts suggest this regulatory clarity could encourage more traditional financial institutions to explore cryptocurrency integration, though some consumer advocates warn about potential risks from crypto volatility affecting mortgage markets.