Lend USDC to U.S. Businesses & Earn Interest

District brings institutional-grade U.S. Real Estate backed loans to global investors onchain.

Built With The Best

  • Centrifuge

  • Coinbase

  • Citadel

Operating Since 1995

District partners with the Washington, D.C. Consortium, a top-tier lending syndicate that has deployed over $750 million in senior secured business loans since 1995, with a default rate below 1.5%.

The District vault, powered by Centrifuge, enables global investors to fund vetted Washington, D.C. SMBs in healthcare, tech, and real estate. Deposit USDC (converted to USD via Coinbase) to mint DISTRICT tokens, targeting a 13% APY from senior secured loans ($500K–$2M), backed by real estate (LTV ≤ 50-70%) with full recourse. Track loans transparently on the Ethereum blockchain.

District’s High-Yield Lending Vault

  • Proven Stability: Tap into a 30+ year lending history with overcollateralized loans, yielding 13% APY.

  • Expert Management: Trust a seasoned team with decades of SMB lending experience.

  • Fully Transparent: Deposit USDC to fund diversified loans, tracked onchain.

  • Flexible Withdrawals: Access funds via a liquid reserve pool, subject to loan repayment cash flows.

Lending Syndicate: Washington, D.C. Consortium

Loan Origination & Underwriting Processes

Based in Washington, D.C. since 1995, our expert team specializes in originating and underwriting business loans with deep local knowledge. We source loans through trusted referrals from established D.C. area banks. Led by professionals with over 30 years of experience in lending, legal, and title services, our team handles loan origination, underwriting, due diligence, and borrower verification with precision and care. Loans are underwritten by assessing risk and secured with collateral from real estate assets as well as business bank accounts, invoices, inventory, and contracts.

How It Works

    • Users deposit USDC into the District vault.

    • Depositors receive vault shares (DISTRICT tokens) 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.

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

    • Guided by a seasoned legal, lending, and title team with 30+ years of experience, the Washington, D.C. Consortium, District’s lending syndicate, provides loans to highly secure, overcollateralized, cash-flowing companies in the D.C. area. The syndicate handles loan origination, due diligence, and thorough borrower KYC.

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

Institutional Grade Infrastructure

Asset Security & Risk

  • District originates overcollateralized, full-recourse loans (LTV ≤ 50-70%) to local SMBs, conducting KYC and due diligence via Washington, D.C. Consortium (30+ years of experience).

  • Backed by U.S. borrower assets and guarantors to minimize risk.

Vault Composition

  • District tokenizes real-world assets using an ERC-7540 vault, guaranteeing ironclad security.

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

  • All vault capital is lent to SMB borrowers through a U.S. FDIC-insured bank.

Audits & Monitoring

  • The District vault is built by Centrifuge, expert-audited by Spearbit, SRLabs, Code4rena, Least Authority, Consensys Diligence, and Trail of Bits. 

  • Centrifuge provides on-chain loan tokenization, real-time yield tracking, and financial transparency on loan performance and distributions.

Our Ecosystem Partners

  • Superform

  • Fasanara Capital

  • Rayls

 FAQ

  • District, built by Centrifuge, is a real world asset (RWA) protocol that enables depositors to gain tokenized exposure to the U.S. private credit lending market - Senior Secured Business loans, an asset class historically favored by institutions for its strong risk-adjusted returns. By connecting stablecoin deposits to off-chain lending, District provides depositors access to this segment of the private credit market for the first time through its District vault, a smart contract pool designed to facilitate lending to Washington, D.C. area small and medium-sized businesses (SMBs) using blockchain technology, offering exposure to yield opportunities that were traditionally inaccessible.

  • When you deposit USDC stablecoins into the District vault, you instantly receive vault shares called DISTRICT, District's vault token. These funds are used off-chain to fund loans for Washington, D.C. area small and medium-sized businesses (SMBs). As borrowers repay those loans with interest, capital flows back into the vault allowing depositors to passively earn real, on-chain yield paid in USDC, backed by off-chain repayments. The vault securely shares returns with depositors while keeping stablecoin deposits tied to real, overcollateralized assets.

  • The vault accepts USDC on Ethereum (ERC‑20) for deposits.

  • When you deposit in the District vault, a 15% performance fee is applied to the net interest income generated from loan repayments. This fee helps cover operational expenses, regular audits, and ongoing development to keep the platform secure and innovative. Additionally, Centrifuge, the underlying protocol, charges a small 0.50% fee on the vault’s total assets under management (AUM). After these fees, the remaining yield is fully distributed to DISTRICT token holders, ensuring you receive the maximum benefit from the vault’s on-chain cash flows. This transparent fee structure supports the platform’s sustainability while prioritizing your returns.

  • Yes. 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. Centrifuge vaults have been expert-audited by Spearbit, SRLabs, Code4rena, Least Authority, Consensys Diligence, and Trail of Bits. The District vault is constantly audited and protected by experts with ongoing threat monitoring and bug bounties.

  • Depositors can withdraw their funds from the District vault by submitting a redemption request. Withdrawals depend on available cash from SMB loan repayments. To make withdrawals easier, District keeps a portion of the vault in liquid U.S. short-term treasuries as a reserve pool, allowing depositors flexible access to exit their positions without waiting for scheduled redemption events.

  • As with all forms of private credit exposure, there are risks associated with investing through the District vault. Borrower defaults and broader economic conditions can impact loan performance. Liquidity is also a consideration, as withdrawals are tied to loan repayments. District mitigates these risks by partnering with its lending arm, Washington, D.C. Consortium, a premier lending syndicate, which has deployed over $750 million in secure B2B loans since 1995 with a default rate below 1.5%, which is responsible for underwriting and originating loans. Capital is deployed into a diverse set of loans for Washington, D.C. area small and medium-sized businesses (SMBs), providing meaningful diversification.

Perspectives

  • "District exemplifies the power of DeFi to reimagine real-world lending. By leveraging the Centrifuge Protocol, District has created a transparent, modular, permissionless, multi-chain platform that offers the onchain economy powerful yields while simultaneously serving offchain businesses. It’s a game-changer for RWAs as a whole."

    Martin Quensel (Co-Founder of Centrifuge)

  • "District has taken a meticulous approach to structuring its vault, ensuring international compliance while offering non-US depositors a seamless experience. The vault’s focus on secured loans and transparent operations makes it a standout choice for reliable yields in DeFi. Coinbase ensures secure conversions."

    Louis de Susini (Managing Partner at Bolster Group UAE)

  • "District conducts meticulous due diligence, underwriting, and loan origination. Their thorough vetting process ensures every SMB loan is secure and cash-flow positive, delivering reliable yields. With Centrifuge’s transparency and District’s expertise, depositors gain confidence in high-quality, tokenized U.S. business lending."

    Rostislav Lonskiy (Underwriter at Applied Risk Capital)

  • "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. The tokenization process simplifies access. Rigorous due diligence guarantees loan quality for stable returns."

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

  • "District connects global investors with U.S. assets through blockchain, providing secure lending opportunities worldwide. Centrifuge’s audited protocol ensures transparency. The Vault’s cash-flowing SMB loans offer stable returns. Coinbase’s conversions add trust. District redefines DeFi lending for non-US investors."

    Blake Richardson (Co-Founder of Superform)

  • "District is democratizing access to previously locked yield engines, leveraging industry-leading tech, setting a new standard in DeFi lending. Centrifuge ensures transparency and security. Coinbase’s USDC conversions provide confidence. District’s vetted SMB loans guarantee stable returns for non-US depositors."

    Thibault Binier (Co-Founder of Hashflow & Hibachi)