$sUSH - Staked USH

The reward-accruing version of $USH

What is $sUSH?

$sUSH is the staked version of $USH that captures the excess growth generated by the underlying HEI portfolio. When you stake $USH, you receive $sUSH, which automatically accumulates more $USH tokens over time.

How Rewards Work

The daily minting mechanism captures excess portfolio returns in the form of new $USH tokens. After funding operations (~1-1.5% annually) and any governance initiatives, the remaining tokens flow to the $sUSH staking contract.

Your $sUSH continuously accumulates value through an increasing exchange rate—no claiming needed.

Example (illustrative)

Stake 5,000 $USH → receive 5,000 $sUSH. After several months, exchange rate = 1.07. You still hold 5,000 $sUSH; on exit (post‑cooldown) it represents 5,350 $USH.

What Determines APY

Staking Ratio: The key variable. If only 50% of $USH is staked, yields effectively double for stakers compared to 100% staked.

Cash Management: The protocol's ~20% cash reserves facilitate liquidity, but create drag on returns. During redemption periods, reduced cash positions can actually increase yields as more capital remains in yielding HEIs.

Market Performance: HEI asset performance impacts how NAV changes over time.

Key Features

  • Auto-compounding: Your $sUSH represents an ever-growing amount of $USH

  • No claiming needed: The $sUSH:$USH exchange rate increases automatically

  • Liquid token: $sUSH can be traded or used in DeFi

  • 28-day cooldown: Required when converting back to $USH

The Cooldown Period

When unstaking $sUSH to $USH:

  • 28-day waiting period

  • No rewards earned during cooldown (emissions foregone by these positions are redirected to the Reserve Pool as "abandoned rewards")

Risk Considerations

Yields vary based on:

  • Underlying HEI portfolio performance

  • Staking participation rates

  • Protocol cash management

  • Real estate market cycles

  • Governance decisions

While sustainable through real asset returns, yields are not guaranteed or fixed.

Why Stake

  • $USH holders: Get pure real estate exposure (3–5% annually)

  • $sUSH holders: Get real estate exposure PLUS excess portfolio returns

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