According to a report by Golden Finance, the Federal Housing Finance Agency (FHFA) in the United States has recently issued instructions to explore how to include cryptocurrency in the risk assessment of single family residential mortgage loans. Once implemented, it can allow long-term cryptocurrency holders to use their digital assets when qualifying for mortgage loans without being forced to liquidate them. In order to fully unleash its potential, the final proposal must reflect the actual operational mode of cryptocurrency. This means recognizing the legitimacy of self managed digital assets.