The middle class is facing a variety of financial challenges in today's world. With rising costs of living, economic instability, and limited access to financial services, many people struggle to make ends meet. Traditional banking systems can be slow, expensive, and difficult to navigate, especially for those living in emerging economies. Moreover, document security remains a major concern, with personal information at risk of being stolen or compromised. In light of these challenges, Hommiestoken seeks to provide a decentralized, secure, and user-friendly platform that offers tangible benefits to users.