Thoughts on home equity, financial inclusion, and building the safety net the banking system forgot.
We analyzed 15 years of Florida foreclosure data and found that nearly half of all foreclosed homeowners had enough equity to save their homes — if anyone had let them access it. Each preventable foreclosure destroys $262,000 in household wealth.
Read moreWe built an actuarial model to answer the question every vault depositor asks: what's my expected loss? Expected loss analysis for real estate-backed DeFi lending covering PD, LGD, Monte Carlo simulation, and stress testing.
Read moreThe job market has stalled. People who did everything right -- bought homes, built equity, saved responsibly -- are falling behind on payments and discovering the banking system has nothing for them. We're building the product that should have existed all along.
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