币界网报道：The U.S. Federal Housing Finance Agency (FHFA) has issued new guidelines allowing Fannie Mae and Freddie Mac to consider cryptocurrency assets when evaluating mortgage applications. The updated policy permits lenders to include digital assets as part of borrowers' financial reserves, provided they can be converted to cash and meet documentation requirements. FHFA Director Sandra Thompson stated the move aims to modernize lending practices while maintaining prudent risk management. However, the agency emphasized that crypto holdings won't be accepted as down payments due to volatility concerns. Lenders must verify crypto balances through third-party statements and apply a 30% discount to account for market fluctuations. This marks the first formal recognition of cryptocurrency in U.S. government-backed mortgage underwriting standards, potentially expanding homeownership opportunities for crypto investors while introducing new compliance challenges for financial institutions.