Lend USDC to U.S. Businesses & Earn Interest

Built With The Best

  • Centrifuge

  • Coinbase

  • Citadel

  • Superform

  • Accenture

Earn Interest Effortlessly With District

Lend directly to US-based SMBs—overcollateralized businesses, without the hassle of traditional lending. The District vault funds diverse, stable, high-yield senior secured loans, generating returns from interest payments, all backed by secure tangible assets, both real and personal.

Secure & Transparent

  • Why Deposit with District?

    District links USDC deposits to U.S. SMB lending, offering stable returns.

    Depositors earn a target 13% APY annually in USDC with a 12-month lockup.

    Non-US depositors benefit from a KYC-free process.

  • Asset Security & Risk

    With over 40 years of experience, District’s Washington, D.C. based lending syndicate underwrites and originates loans, conducts KYC and thorough due diligence.

    Backed by U.S. borrower assets and guarantors, District finances Washington, D.C. area SMBs with overcollateralized, full-recourse loans (LTV ≤ 50-70%) to reduce risk, securely holding all loan documents.

  • Vault Security & Compliance

    District advances tokenized real-world assets with ERC-7540 vaults, which ensure tokenized asset security.

    Coinbase, a regulated partner, ensures compliant USDC-to-USD conversion.

    Centrifuge enables full on-chain transparency and real-time data for all loans.

  • Audits & Monitoring

    District vault, built by Centrifuge, offers depositors on-chain loan tokenization, real-time yield tracking, and full financial transparency.

    Expert-audited with proactive security monitoring, it guarantees ironclad protection.

    Annual loan performance and distributions are reported with full transparency.

Lending Syndicate

Since 1995, District’s premier Washington, D.C. based lending syndicate, has deployed over $750M in secure B2B loans with a <1.5% default rate, delivering an average of 13% annual returns. Led by a seasoned team with over 40 years of experience, the lending syndicate focuses on resilient sectors such as restaurants, healthcare, and technology. Through the District vault, depositors can fund vetted SMBs with USDC, converted to USD via Coinbase, earning a target 13% APY with full blockchain and loan transparency.

How It Works

    • Users deposit USDC into the District vault (no KYC for non-US depositors).

    • Depositors receive vault shares immediately upon deposit.

    • Funds are converted to USD via Coinbase for lending.

    • District vault funds are lent to vetted Washington D.C. area based SMBs at a target 13% APY.

    • District manages vault operations, loans, and depositor relations.

    • Led by an expert legal, lending, and title team with 40 years of experience, District’s lending syndicate in the Washington D.C. area lends to highly secure and overcollateralized cash-flowing companies.

    • The lending syndicate conducts loan origination, due diligence, and full borrower KYC.

    • SMB Borrower interest and principal repayments are converted back to USDC via Coinbase and distributed to the vault, where depositors can redeem their vault shares for USDC.

    • Depositors earn a target 13% APY, paid annually in USDC.

 FAQ

  • District is a platform that operates and manages a SMB lending vault built by Centrifuge. Depositors can earn yield by lending their USDC stablecoins directly to Washington, D.C. area based SMBs using blockchain technology.

  • A District vault is a smart contract pool where deposited capital is lent to Washington, D.C. area based SMBs to generate yield from loan interest. It is a secure, automated way to earn passive income.

  • District blends traditional asset value with blockchain technology by creating a vault that lends capital to SMBs. Users deposit USDC funds into the vault, and District uses them to generate yield, sharing the returns with depositors while keeping the stablecoin deposits tied to real overcollateralized assets.

  • The District vault accepts USDC for deposits.

  • Connect a USDC wallet to the District vault via Centrifuge or Superform, specify the deposit amount, and confirm the transaction to deposit funds.

  • The District vault is built by Centrifuge, offering on-chain loan tokenization, yield tracking, real-time onchain data review, asset performance monitoring, security audits, and full financial transparency to depositors.

    The District vault is constantly audited and protected by experts with ongoing threat monitoring and bug bounties.

  • Users can withdraw their funds from the vault via a redemption request. The current District vault has a 12 month lockup period for all deposits.

  • "District connects global investors with the U.S.'s most resilient assets through blockchain technology, providing secure and accessible lending opportunities worldwide."

    Blake Richardson (Co-Founder of Superform)

  • "District pioneers tokenization of U.S. business lending, designed for all depositors with a streamlined experience. Using Coinbase for regulated conversions and Centrifuge for transparency, it ensures confident, high-yield returns."

    Joey Santoro (Creator of ERC-4626 & EIP-7540)

  • "District's integration with Centrifuge Protocol sets a new benchmark for transparency in DeFi lending. By providing on-chain visibility into loan performance and yields, District ensures that depositors can track their returns with confidence, making the vault a trusted choice for capital allocation."

    Thibault Binier (COO of Hashflow)

  • "District exemplifies the power of DeFi to deliver real-world value. By leveraging Centrifuge Protocol, District has created a transparent and efficient platform that offers institutional depositors stable yields while seamlessly bridging on-chain capital to vetted SMBs. It’s a game-changer for RWA lending."

    Jeroen Offerijns (CTO of Centrifuge)

  • "As the due diligence partner for the District vault, we’ve been impressed by District's commitment to risk management and loan quality. Their rigorous vetting process ensures that every SMB loan is secured and cash-flow positive, providing depositors with the confidence to earn consistent yields."

    Samuel Adebayo (Partner at Legacy Financial)

  • "District has taken a meticulous approach to structuring it's vault, ensuring compliance with international regulations while offering non-US depositors a seamless no-KYC experience. The vault’s focus on secured loans and transparent operations makes it a standout choice for those seeking reliable yields in the DeFi space."

    Mike Katz (Partner at Manatt, Phelps & Phillips, LLP)

  • "District's partnership with Coinbase ensures a secure and regulated conversion process for USDC deposits, giving institutional depositors peace of mind. District and Centrifuge have built a platform that combines the best of DeFi innovation with the reliability depositors expect, delivering stable yields with transparency at every step."

    Coinbase Compliance