Akkume
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Reserve Layer • Housing Finance • Pilot Proposal

Redirect the largest credit system in the world.

A rule change that embeds long-duration reserves into mortgage credit—creating a structural demand layer and a more resilient system. This structure and page architecture follow your uploaded outline for landing page, pilot proposal, supporter signup, borrower page, institutional page, questionnaire, dashboard, and contact. fileciteturn1file0

See Proposal Sign Up to Support
Supporters 0
Public backers 0
Strategic focus FHFA + MISMO

Pilot proposal

The proposal centers on a fixed-supply reserve framework to enhance mortgage credit resilience, reduce systemic risk, and support pilot upgrades to GSE guides, MISMO standards, and reserve asset classification. fileciteturn1file3

1
Reserve layer, not collateral. Introduce Bitcoin as a non-collateral credit enhancement layer, closer to MI / CRT than a pledge-and-liquidate loan. fileciteturn1file3
2
Dual-asset credit model. Transition mortgage credit toward a more resilient framework that combines traditional assets with a fixed-supply reserve layer. fileciteturn1file0
3
Standards and infrastructure. Pilot changes to guides, loan tapes, data elements, and reserve asset classification. fileciteturn1file3
Reduce taxpayer exposure First-loss BTC buffer Replace PMI Improve capital efficiency Increase access safely No looser underwriting

Sign the proposal

Capture a simple supporter signature flow now, with a verified-signer upgrade later.

Borrower page

Your borrower page vision centers on a simple emotional frame: “What if your mortgage built wealth instead of just debt?” plus a dual-asset model and lower taxpayer risk. fileciteturn1file0

What if your mortgage built wealth instead of just debt?

You pay for 30 years. You should have more to show for it. Introduce Bitcoin as a reserve layer reinforcing the credit system while lowering taxpayer risk in federally backed housing. fileciteturn1file0

Dual-asset credit model

Pilot guidelines promote a transition to a dual-asset credit framework designed to boost resilience, modernize standards, and strengthen mortgage credit and affordability. fileciteturn1file0

Lenders / investors / servicers / regulators

The institutional page should argue that capital flows are being decided now, fragility is visible, and standards work can strengthen the system before losses become systemic. fileciteturn1file0turn1file2

Where capital flows next

A policy and standards window is open now.

Non-collateral enhancement

Reserve layer positioned like MI / CRT, not direct borrower collateral. fileciteturn1file3

Loss absorption shift

Your draft frames a lower taxpayer share and earlier loss absorption higher in the stack. fileciteturn1file2

Proof of weakness

FHA stress and lagged default waves make the case for targeted credit enhancement. fileciteturn1file2

Questionnaire: data capture

Structured intake for companies, allies, and stakeholders who want to support, brief, fund, partner, or be listed publicly.

Live supporter counter + public supporter list

This section turns the site into a coalition engine: public supporters are listed, private supporters increase the visible total, and strategic partners can be separated later.

Founding coalition

0

Supporters who signed, backed, or requested to actively participate
Public supporters

0

Public supporters Loading…

Akkume-ulate Bitcoin

Your dashboard vision includes Bitcoin-backed loans, enhanced mortgages, backed homes, ABS, enhanced bonds, and rated MBS/ABS views. fileciteturn1file1turn1file2

Bitcoin backed loansRates
Bitcoin enhanced mortgagesHODL Buffer
Bitcoin backed homesRates
Bitcoin ABSCoupon
Enhanced loansDownpayment
Rated Bitcoin ABSSize / Rating
Bitcoin enhanced bondsCoupon
Rated Bitcoin MBSSize / Rating

Login + data room

Phase 1 uses email magic-link login. After login, members can view the proposal, charts, private briefing files, and strategic partner material.

Not logged in. Login required to view protected files.
Pilot proposal deckPrivate PDF / deck link
Locked
FHFA / MISMO briefing memoPolicy memo
Locked
Loss absorption visualsCharts and board graphics
Locked

How to wire the data room

  • Create a Supabase Auth magic-link login.
  • Create a profiles table with role and access level.
  • Store files in Supabase Storage or link private folders.
  • Show download links only when a session exists.

Contact

Your draft includes a contact page. The cleanest setup is a domain email like hello@akkume.com, support@akkume.com, and partners@akkume.com.

Recommended inboxes

hello@akkume.com support@akkume.com partners@akkume.com press@akkume.com

For setup, buy custom-domain email from Namecheap Private Email, Google Workspace, or Zoho Mail. Namecheap confirms Private Email is a separate product from hosting, and Google Workspace and Zoho both support custom business email on your own domain. ([namecheap.com](https://www.namecheap.com/hosting/email/?utm_source=chatgpt.com))

  • Easiest: Namecheap Private Email, because your domain is already there. Namecheap says you do not need a web hosting plan to use it. ([namecheap.com](https://www.namecheap.com/hosting/email/?utm_source=chatgpt.com))
  • Best if you want Gmail: Google Workspace with your domain. ([workspace.google.com](https://workspace.google.com/solutions/business-email/?utm_source=chatgpt.com))
  • Lean alternative: Zoho Mail for custom domain inboxes. ([zoho.com](https://www.zoho.com/mail/custom-domain-email.html?utm_source=chatgpt.com))

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