Wasaaradda Guryaha iyo Horumarinta Magaalooyinka ee Maraykanku (HUD) ayaa baaraya isticmaalka cryptocurrency iyo tiknoolajiyada blockchain si ay u kormeerto deeqaha hay'adaha, iyadoo qaar ka mid ah shaqaaluhu soo jeedinayaan inay noqon karto tijaabo loogu talagalay codsiga dowladda ee baahsan, sida laga soo xigtay warbixin ka timid ProPublica. Qoraalku, oo ku saleysan kulan la duubay iyo wada hadal lala yeeshay saddex mas'uul, ayaa lagu diiday HUD, oo sheegtay in hadda aysan jirin wax qorshe ah oo lagu hirgelinayo teknolojiyadda. Wadahadalada waxaa reportedly diiradda lagu saaray isticmaalka blockchain—oo aan had iyo jeer ahayn cryptocurrency lafteeda—si loo hagaajiyo kormeerka deeqaha. Inkastoo taageerayaasha blockchain ay ku doodayaan faa'iidooyinkeeda, khubaradu waxay kaga digayaan in codsigeeda ugu wayn uu la xiriirinayo macaamilada crypto. Xubin ka tirsan shaqaalaha ayaa muujisay shaki ku saabsan waxtarka qorshahan, iyadoo tilmaameysa xeerar la'aan iyo casharada laga bartay dhibaatadii guryaha ee 2008, taasoo xaqiijineysa in tani ay dhaawici karto halkii ay caawin lahayd suuqa guryaha. Soo jeedinta waxaa reportedly taageertay Irving Dennis, Maareeyaha Maaliyadda cusub ee HUD, oo hore uga shaqeeyey la-talinta EY. Xubin ka tirsan EY ayaa xaqiijisay in wadahadalada dhacay, laakiin aan sii wadinin wada hadal dheeri ah oo la leh ProPublica.

Laba kulan oo ku saabsan hindisahan ayaa dhacay bishii Febraayo, intii lagu jiray kulan, qoraal ka yimid shaqaale HUD ayaa dhaleeceeyay soo jeedinta isagoo sheegay inay khatar tahay oo aan loo baahnayn, gaar ahaan maadaama HUD aysan la kulmin caqabado waaweyn oo ku saabsan la socoshada qarashka deeqaha. Qoraalkaas ayaa kuleyn tilmaamay in soo jeedintu ay keeni karto “lacag monopoliyadeed” nidaamka. Khubaradii ku jirta warbixinta badanaa waxay ka soo horjeedaan fikradda. Corey Frayer, oo horey u ahaa mas’uul SEC, ayaa muujiyay walaac ku saabsan in deeqaha la siiyo cryptocurrency ay la kulmi karaan isbeddel qiime, taasoo halis gelin karta barnaamijyo muhiim ah sida caymiska Maamulka Guryaha Federaalka. Inkastoo qaar ka mid ah warshadaha mortgage ay arkaan waxtar suurtagal ah oo ku jira blockchain, kuwa kalena waxay ku doodayaan in gelinta noocan oo kale ah degenaansho la'aanta barnaamijyada caawinta muhiimka ah ay keeni karto khatar aan la aqbali karin, gaar ahaan dadka nugul. Hilary Allen, oo ah professor sharci, ayaa xustay in kadib 15 sano, diidmada lagu qaato tiknoolajiyada blockchain ay muujinayso inaanay u qalmin isticmaalka dowliga ah, iyadoo ay suurtagal tahay in dadka nugul loo isticmaalo tijaabo ahaan tiknoolajiyad aan caddeyn.