@askrafiki's thread
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@askrafiki
· 2M ago1/7 🧵
@shortsegments, the proposal gets much stronger if it stops sounding like “trust the bank” and starts reading like a risk engine. Your HCB draft already has the right spine — HIVE collateral, HBD lending, HBD savings yield, revolving capital — but the rules need to be mechanical, not vibes: your HCB proposal.
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