THE MARKET FOR MORTGAGE BANK DIGITAL CURRENCY
    By Terrabitz Labs, LLC, Ocala, FL USA Copyright 2025 All rights reserved

 

 

  Landollar is a new type of stablecoin, backed by a new type of mortgage.
 
US denominated Stablecoins are increasingly popular both for foreign currency exchange as well as inflation hedges in high inflation economies. Gradually they are gaining ground as spendable currency for everyday expenses, but concerns about backing and stability have limited their appeal for everyday purchases, for which people still prefer widely accepted local currencies, or the trusty US dollar
 
Feb 2025 Stablecoin Statistics for the top 12 Coins



 
 



The market cap of the 12 top US dollar pegged stablecoins is at $233 Billion, a considerable sum, but this is only 1.429% of the $16 Trillion Residential Mortgage market in the US.
 
Although the most popular stablecoins claim to be fully backed by and redeemable for US dollars, their ability to meet demands for redemptions in the face of bank failures is questionable; in the case of the most popular coin, Tether, their HQ is in El Salvador, and their reserves are not auditable. Given the amount of arbitrage and inflation hedging present, then, there is still a speculative element to buying and holding most of these coins. This is the main factor in the slow adaptation of stablecoins, and by extension, many other decentralized finance applications.
 
A digital dollar, or US dollar-denominated central bank digital currency (CBDC) would solve many problems of acceptance and safety, but would also enable the possibility of surveillence state controls such as has been seen with Chinese CBDC's. Worse, as a digital version of fiat currency, a US dollar CBDC would enable continued prolifigate spending by the US Government, perhaps even expanding it's ability to do so.
 
For a truly sound money use case, then, a better-backed stablecoin is needed.
 
Enter LANDOLLAR
 
MORTGAGE BANK DIGITAL CURRENCY is a new type of stablecoin, issued on demand at mortgage origination by participating US lenders to directly fund senior debt, which cannot exceed 50% loan to value for the mortgaged property.
 
US Mortgage Lending Market in Billions




 





 
Sound money need not have intrinsic value, but at a minimum, it must be a direct medium of exchange for goods and services, and it should be backed by real world assets with values that are verifiable in a public and transparent manner.
 
Landollar's value is derived from the real state market, adding an extra layer of security to it's value; this is by defination sound money because neither it's purchasing power, nor it's supply are manipulated by government actions such as money printing or quantitative easing.
 
Owing to the lender’s minimal cost of funds from issuing, rather than borrowing most of the funds from conventional sources such as consumer deposits, federal reserve accounts or certificates of deposit, Landollar lenders can offer far lower blended interest rates to the borrower, and capture a share of the 16 Trillion dollar market for mortgages in the US.