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  • Overview
    • Manifest Overview
    • Genesis Story
    • Governance
  • Legal and Regulatory Compliance
  • Home Equity 101
    • What are HEIs
    • HEI Returns
    • Originating HEIs
    • When House Prices Fall
  • $USH Token
    • What is $USH?
    • Protocol Mechanics
    • Yield Generation
    • Targeting 13% IRR
    • Liquidity
    • Benefits of Ownership
    • $USH Yield Comparisons
    • $USH vs. Stablecoins
    • $USH vs. ETFs
    • $USH vs. Direct Real Estate
  • Collateral
    • $USH Collateral Pool
    • Investment Structure
    • Asset Quality
    • Bankruptcy Remote
  • Using Manifest
    • Buy $USH
    • Hold $USH
    • Trade $USH
    • $USH in DeFi
    • Earn Manifest Points
  • Governance
    • $USA Governance Token
    • Supply & Utility
    • How do I acquire $USA tokens?
  • Resources
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  1. $USH Token

$USH Yield Comparisons

Data as of 1st March 2025

Investment Strategy
Yield / IRR (%)
Liquidity Level
Collateral / Asset Backing

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)

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Last updated 2 months ago