YLDS (YLDS) Lending & Borrowing Rates
YLDS is the first SEC-registered yield-bearing stablecoin, issued by Figure Markets. It pays holders interest based on SOFR and serves as the native currency for Democratized Prime.
Last updated: March 21, 2026Live via DeFi Llama
YLDS Lending Rates (Earn Yield)
YLDS is unique among stablecoins because it pays yield just for holding it (~3.8-4% APY based on SOFR). When deposited into Democratized Prime's HELOC pool, yields increase to approximately 9% APY — backed by AAA-rated real-world home equity assets.
| Platform | Type | Lend APY | Risk | KYC | |
|---|---|---|---|---|---|
| Figure (Democratized Prime) | CeFi | 9.00% | 3/10 | Required | Visit Site |
YLDS Borrowing Rates
YLDS is not typically used as borrowing collateral. It functions primarily as a lending and settlement currency within the Democratized Prime ecosystem. Borrowers on the platform are mortgage originators funding real HELOC originations.
| Platform | Type | Borrow APR | Max LTV | Risk |
|---|
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Disclaimer: Rates shown are approximate and change frequently. DeFi protocol rates are variable. CeFi rates may differ by account tier. Always verify current rates on the platform. Crypto lending involves significant risk. Some links may be affiliate links — see our affiliate disclosure.
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