Rethinking Credit Models
The discussion dives into the flaws of the American credit system, highlighting the innovative approach of Tomo Credit, which targets immigrants and international students. By focusing on cash flow instead of traditional credit scores, Tomo offers a fresh perspective on lending, albeit with concerns about its accessibility for those in greater financial need. The conversation critiques the backward incentives of the current credit landscape, questioning why it remains unchanged despite its evident shortcomings.In this clip
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Equity
Crypto and securities, back of the postcard version
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