According to online reports, Caixin.com disclosed that the U.S. Federal Housing Finance Administration (FHFA) ordered home loan institutions Fannie Mae and Freddie Mac to consider using cryptocurrency as a mortgage asset in residential mortgage risk assessments. Many people in the cryptocurrency industry said that this means that in the future, the asset review standards for Americans to apply for home loans may undergo major changes, which may allow the use of cryptocurrency as collateral assets. Xiang Caixin, an industry official who declined to be named, said that this is undoubtedly a good thing for the crypto industry, but if this is the case, then fluctuations in the cryptocurrency market will directly affect the housing loan market. The next time the subprime mortgage crisis breaks out, it will only be a matter of time.