$USH Yield Comparisons
Data as of 1st March 2025
Manifest’s $USH
~13% IRR (net to investors after fee switch)
High: $USH DeFi liquidity ($USH token holders can also vote to sell backing assets and redeem the token under specific conditions)
Fractional home equity interests (options on U.S. residential real estate values)
Bank Savings Account (USD)
~0.4–0.5% APY
Very High: funds withdrawable anytime (no lock-up)
Bank deposits (cash at bank; federally insured)
Robinhood Gold (Cash Sweep)
4.0% APY
Very High: daily liquidity (no lock-up)
Cash in partner banks (up to $1.5–2.5 MM FDIC coverage)
Superstate USTB Fund (tokenized T-Bills)
4.1% 7-day yield
High: redeemable each business day (open-ended fund)
Short-term U.S. Treasury bills (gov’t-backed)
Ondo USDY (US Dollar Yield token)
4.35% APY
High: on-chain token, daily yield accrual; redeemable through issuer
Short-duration U.S. Treasury investments
MakerDAO DAI (Savings Rate)
4.75% APY
High: no lock-up; can enter/exit DAI Savings freely
Mixed collateral (crypto assets, USDC, Treasuries via Maker)
MakerDAO USDS (Spark “Sky” Rate)
6.5% APY
High: no lock-up on savings (deposit/ withdraw USDS anytime)
USDS stablecoin (backed by MakerDAO reserves; real-world treasury yields)
Figure Markets – Forward Vault (HELOC RWA)
up to 8% APY
Medium: relatively liquid structure (monthly interest payouts; some withdrawal mechanism)
Pool of home equity line of credit loans (real-estate backed debt)
Family Office Portfolio (multi-asset)
~11% IRR (target)
Medium: moderate liquidity (mix of public securities and illiquid alts)
Diversified assets (public equities, bonds, PE, real estate, etc.)
Private Equity Funds (Buyout PE)
~15-20% IRR (long-term)
Very Low: very illiquid (capital locked ~7–10 years)
Private business equity ownership (unlisted companies)
Usual USD0++ (Staked Stablecoin, 4‑yr lock)
~11% APY (projected)
Very Low: 4-year lock-up (early exit only with penalty or secondary market)
USD0 stablecoin (100% T-Bill backed) staked for protocol revenue rights (USUAL token)
Last updated