TechFlow news, July 19 — According to Cointelegraph, the Federal Housing Finance Agency (FHFA) recently issued guidance exploring the inclusion of cryptocurrency in risk assessments for single-family mortgage loans. This move could allow long-term crypto holders to use their digital assets when applying for mortgages without needing to liquidate them. The guidance emphasizes that assets must be verified and stored through U.S.-regulated centralized exchanges, but does not mandate custody on exchanges. Self-custodied assets are considered a cornerstone of the crypto ecosystem due to their transparency, security, and lower counterparty risk. Experts are calling for a balanced framework that supports both self-custody and custodial arrangements, along with appropriate valuation discounts for volatility, to advance the modernization of housing finance.
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