TL;DR
There are $17 Trillion worth of mortgages as of 2021 according to Statista and each one of those mortgages require the loan be repaid every month. Mortgages are used by banks, governments, insurance companies and high net worth individuals to preserve and grow their wealth. This is seen as the other side of wealth creation i.e. wealth preservation. You can make a lot of money but you also need to preserve the money you make and these institutions use mortgages and now you can too.
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HOME is a new crypto currency backed by the same mortgages used by governments, insurance companies and high net worth individuals to preserve and grow their wealth. HOME is available to anyone in the world with a DeFi wallet. Payments from the loans backed by homes flow back to the holders of HOME. So you get a stablecoin backed by homes in the U.S. and a part of the payments from homeowners.

Everyone has a mortgage or pays rent. 63% of homeowners have a mortgage according to the U.S. Census and there are $17 Trillion of mortgages as of today. If you don’t have a mortgage you are probably paying rent to someone who does have a mortgage. A mortgage is simply a loan with a promise to repay it backed by house. This means if you don’t repay the loan the person you owe money to can take your house, sell it and use the proceeds to repay the loan. To put this into perspective, Wells Fargo holds about $275 billion worth of mortgages which generates about $8 billion a year in payments back to Wells Fargo. Bank of America holds about the same amount. Banks aren’t the only companies who believe in mortgages. The Federal government holds $3 Trillion worth of mortgages and beyond them insurance companies, funds and even high net worth individuals. It is generally accepted that mortgages are an excellent opportunity to get consistent cash flow that rarely stops being repaid. If a borrower stops paying their loan the owner of the mortgage can force a sale of the house to repay the loan. Even in the housing crisis of 2008, one of the worst financial events in history, only 10% of borrowers stopped paying and in those situations the houses were taken by the owner of the mortgage and often sold to repay the debt. This entire market was very difficult for the average person to participate in until now.

HOME is a new crypto currency backed by the same mortgages used by banks and governments. In fact, HOME currently only uses mortgages that are approved by the Federal government as loans they will buy. HOME is different from the government, bank, or insurance company because rather than money from bank accounts or taxes, the coin uses the money from crypto wallet holders. HOME uses this money to purchase loans to homeowners (mortgages) using the same system that exists today EXCEPT the payments come back to the coin holders vs going to banks, insurance companies, or governments. Since HOME is very efficient and cuts out a lot of the cost, it can share much more of the payments with people who deposit money. Generally this means you get 10-30x what you would receive if you put the same amount of money in a bank account.