Real (Estate) Backed Yield
10% institutional grade APR via short-term home financing. Stablecoin deposits fund real residential construction loans with 90-day repayment cycles.
Choose Your Vault
Deposit stablecoins and earn fixed 10% APR backed by real-world housing development loans.
Deposit USDC into short-term housing bridge loans. Fixed 10% APR with 90-day repayment cycles backed by pre-sold residential units.
USDT vault deploying capital to the same institutional-grade housing development pipeline via UWI Homes.
How HOUSD Works
Bridge the gap between DeFi capital and real-world housing development with transparent, secure lending.
Deposit Stablecoins
Supply USDC, USDT, or DAI to HOUSD vaults and receive token receipts representing your claim.
Capital Deployment
Your capital is deployed via UWI Homes for short-term developer bridge loans on pre-sold affordable housing projects.
Home Construction
Developers complete construction of pre-sold homes within a 90-day loan cycle.
Earn Fixed Returns
Loans are repaid by mortgage proceeds from homebuyer banks. You earn a fixed 10% APR on your deposit.
Deployed via UWI Homes
HOUSD deploys capital through UWI Homes, a Y Combinator-backed housing finance company specializing in Express Building (EB) Financing for residential developers in Southeast Asia. HOUSD holds an on-chain exclusivity agreement with UWI for vault-originated capital.
Built on Trust & Security
Your capital is protected by real-world assets, proven processes, and institutional-grade security.
Real Asset Collateral
Every loan is backed by physical real estate assets and pre-sold housing units with guaranteed buyers.
Smart Contract Security
Audited smart contracts ensure transparent, automated distribution of funds and interest payments.
Zero Default History
$30M deployed off-chain over 3 years with 0% defaults. $1.5M on-chain pilot completed with full repayment.
Full Transparency
Track every deployment, monitor loan performance, and view real-time vault statistics on-chain.
Latest from HOUSD
Research, analysis, and updates from the protocol.
Why Uncorrelated Crypto Yield Is Absolutely Necessary Right Now
In volatile markets, yield that doesn't move with token prices isn't a nice-to-have — it's a requirement. Here's why real-world asset yield changes the risk profile of any crypto portfolio.
UWI Homes: The YC-Backed Startup Financing Homes Across Southeast Asia
How a Y Combinator-backed company built a $30M track record in home financing with 0% defaults, and why HOUSD chose them as our exclusive on-chain capital deployment partner.
Frequently Asked Questions
Everything you need to know about HOUSD
Ready to Earn Real Returns?
Start earning 10% fixed APR by connecting your stablecoins to real-world housing development.