Yeah I find it very annoying (don’t get me wrong) but I also know mortgage legislation and between Dodd Frank and GLB there’s no way they’re gonna let self custody count… however, for the record, this isn’t a crypto specific thing

If you were to apply for a mortgage and you had $20k under your mattress, you would have to deposit that in the bank to claim as an asset AND you would trigger Anti Money Laundering checks so you’d have to sit on the wire for like 3 months until the AML checks clear