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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