HFC Coin

The HFC blockchain and artificial intelligence patform is a tokenization solution designed to reduce the costs and inefficiencies of the mortgage process while providing transparency and innovation in mortgage-backed securities (MBS). The financial crisis of 2008 revealed major faws in the mortgage industry. The HFC blockchain patform will bring trust, transparency, and profitability to all stakeholders in the mortgage process through the tokenization and colateralization of mortgages using artificial intelligence and blockchain technology.

The HFC patform will eliminate legacy costs by creating the AI Loan Officer. As a result, savings will be passed on to customers and investors, thereby increasing market share and driving value for HFC Coin owners. Derivatives are pure abstractions of financial assets in a risk-based economy, and they are one of the most complex financial products. Mortgage-backed securities are derivatives that combine high-risk mortgages with low-risk mortgages to mitigate loss and increase return on investment. Decisions about the sale of a mortgage into a secondary market (the mortgagebacked securities market) are made without notifying mortgage holders, and sometimes without proper transference of ownership.

Decomposition of mortgage-backed securities is a complex process with obligations that require the agreement of numerous stakeholders. Another issue is that these derivatives are not widely avaiable via traditional investment methods, such as stock exchanges. This effectively prohibits the average investor from participating in the mortgage-backed securities market. The mortgage industry can be transformed by digital tools upholding the rights of all stakeholders in the mortgage process: the lender, the investors and the customer. The HFC patform will deploy an artificial-intelligence/blockchain solution to introduce transparency to the MBS market with the appropriate level of confidentiality and privacy.