{
 "updated": "2026-10-16",
 "note": "APY shown only when verified from an official source with date; otherwise n/a. Fields marked 'unverified' still need checking against the issuer's docs.",
 "products": [
  {
   "name": "USDY",
   "issuer": "Ondo Finance",
   "source": "Short-term US Treasuries & bank deposits (issuer passes through interest)",
   "paid": "Accrues in token price (rebasing variant rUSDY)",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Solana, Sei, Stellar, Sui, BNB Chain, Arbitrum, Mantle, Aptos, Noble, others",
   "min": "Mint via Ondo onboarding (general minimum not stated; $5,000 on Sui/Aptos/Stellar/XRP/Noble); any amount P2P",
   "freq": "Continuous accrual",
   "apy": {
    "value": "3.75% APY",
    "src": "https://ondo.finance/usdy",
    "date": "2026-10-14"
   },
   "yield3": false,
   "url": "https://ondo.finance/usdy",
   "notes": "Non-US persons only (Reg S). Bearer token: transferable P2P without onboarding; KYC needed to mint/redeem."
  },
  {
   "name": "OUSG",
   "issuer": "Ondo Finance",
   "source": "Short-term US Treasuries (incl. BlackRock BUIDL)",
   "paid": "Accrues in token price (rOUSG rebasing)",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Polygon, Solana, XRP Ledger",
   "min": "$5,000 instant mint (Ethereum); $100,000 non-instant",
   "freq": "Continuous accrual",
   "apy": null,
   "yield3": false,
   "url": "https://ondo.finance/ousg",
   "notes": "Qualified purchasers; transfers restricted to allowlisted wallets. Source: docs.ondo.finance"
  },
  {
   "name": "USYC",
   "issuer": "Circle (Hashnote)",
   "source": "Reverse repo & short-term US Treasuries",
   "paid": "Accrues in token price",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Solana, BNB Chain, Base, Arc, Canton, NEAR",
   "min": "$100,000",
   "freq": "Continuous accrual",
   "apy": null,
   "yield3": false,
   "url": "https://www.circle.com/usyc",
   "notes": "Eligible non-US persons; KYC/AML + allowlist. Source: circle.com/usyc, developers.circle.com"
  },
  {
   "name": "USTB",
   "issuer": "Superstate",
   "source": "Short-term US Treasuries",
   "paid": "Accrues in NAV",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Solana, Plume (or book-entry)",
   "min": "$100,000 (unless waived)",
   "freq": "Daily NAV",
   "apy": null,
   "yield3": false,
   "url": "https://superstate.com/ustb",
   "notes": "Accredited investors / qualified purchasers; transfers only between allowlisted addresses. Source: docs.superstate.com"
  },
  {
   "name": "TBILL",
   "issuer": "OpenEden",
   "source": "Short-dated US T-bills & reverse repo",
   "paid": "Accrues in token price",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Arbitrum, BNB Chain, Solana, XRP Ledger",
   "min": "$100,000 first deposit, $1 after",
   "freq": "Continuous accrual",
   "apy": null,
   "yield3": false,
   "url": "https://openeden.com/tbill",
   "notes": "Accredited/professional investors; KYC + whitelisted wallet. Source: docs.openeden.com"
  },
  {
   "name": "BUIDL",
   "issuer": "BlackRock / Securitize",
   "source": "Cash, US T-bills, repo",
   "paid": "New BUIDL tokens airdropped monthly",
   "asset": "Treasuries",
   "selfCustody": true,
   "kyc": true,
   "chains": "Ethereum, Solana, Aptos, Arbitrum, Avalanche, Optimism, Polygon",
   "min": "$5M initial, $250k follow-on",
   "freq": "Monthly",
   "apy": null,
   "yield3": false,
   "url": "https://securitize.io/blackrock/buidl",
   "notes": "Qualified purchasers only (Reg D 506(c)). Paid to wallet automatically but KYC-gated."
  },
  {
   "name": "BENJI (FOBXX)",
   "issuer": "Franklin Templeton",
   "source": "US government money market fund",
   "paid": "New BENJI tokens airdropped daily",
   "asset": "Treasuries",
   "selfCustody": false,
   "kyc": true,
   "chains": "Stellar, Polygon, Ethereum, Arbitrum, Avalanche, Base, Aptos, Solana",
   "min": "unknown",
   "freq": "Daily",
   "apy": {
    "value": "3.81% (7-day effective yield)",
    "src": "https://www.franklintempleton.com/investments/options/money-market-funds/products/29386/SINGLCLASS/franklin-on-chain-u-s-government-money-fund/FOBXX",
    "date": "2026-10-15"
   },
   "yield3": false,
   "url": "https://www.franklintempleton.com/investments/options/money-market-funds/products/29386/SINGLCLASS/franklin-on-chain-u-s-government-money-fund/FOBXX",
   "notes": "Retail: Franklin-hosted wallets (Franklin holds keys). Investor-managed (self-custody) wallets only for approved investors; transfers only between approved wallets."
  },
  {
   "name": "PAXG",
   "issuer": "Paxos",
   "source": "None \u2013 gold-backed token, no native yield",
   "paid": "n/a (no yield)",
   "asset": "Gold",
   "selfCustody": true,
   "kyc": false,
   "chains": "Ethereum, Solana",
   "min": "Any amount on secondary",
   "freq": "none",
   "apy": null,
   "yield3": false,
   "url": "https://paxos.com/paxg/",
   "notes": "Listed as a real-asset base layer; KYC needed for direct mint/redeem at Paxos."
  },
  {
   "name": "XAUt / XAUt0",
   "issuer": "Tether Gold",
   "source": "None \u2013 gold-backed token, no native yield",
   "paid": "n/a (no yield)",
   "asset": "Gold",
   "selfCustody": true,
   "kyc": false,
   "chains": "Ethereum, TRON; XAUt0 omnichain via LayerZero OFT incl. Solana",
   "min": "Any amount on secondary",
   "freq": "none",
   "apy": null,
   "yield3": false,
   "url": "https://gold.tether.to/",
   "notes": "KYC needed for direct mint/redeem at Tether."
  },
  {
   "name": "xStocks",
   "issuer": "Backed Finance",
   "source": "Underlying share dividends, reinvested by custodian into more shares (net of withholding tax)",
   "paid": "More xStock exposure via rebasing multiplier (no cash)",
   "asset": "Stocks",
   "selfCustody": true,
   "kyc": false,
   "chains": "Solana, Ethereum, TON, Arbitrum, Mantle, Ink, other EVM",
   "min": "Any amount on secondary",
   "freq": "Per company dividend (multiplier updates day after ex-date)",
   "apy": null,
   "yield3": false,
   "url": "https://xstocks.com",
   "notes": "Not available to US persons (also restricted in CA, UK, AU). KYC only for direct issuance/redemption. Source: docs.xstocks.fi"
  },
  {
   "name": "syrupUSDC",
   "issuer": "Maple Finance",
   "source": "Overcollateralized loans to institutional borrowers",
   "paid": "Accrues in token price",
   "asset": "Private credit",
   "selfCustody": true,
   "kyc": false,
   "chains": "Ethereum + cross-chain via CCIP incl. Solana, L2s",
   "min": "No minimum",
   "freq": "Continuous accrual",
   "apy": {
    "value": "5.2% APY (displayed)",
    "src": "https://maple.finance/app",
    "date": "2026-10-16"
   },
   "yield3": false,
   "url": "https://maple.finance",
   "notes": "Non-US only; deposits need Maple authorization/allowlist (no KYC per Maple). Credit/borrower default risk."
  },
  {
   "name": "sDAI / sUSDS",
   "issuer": "Sky (ex-MakerDAO)",
   "source": "Sky Savings Rate funded by protocol revenue (incl. RWA/treasury holdings)",
   "paid": "Accrues in token price",
   "asset": "Treasuries (partial)",
   "selfCustody": true,
   "kyc": false,
   "chains": "Ethereum, Base, Arbitrum, Solana",
   "min": "Any amount",
   "freq": "Continuous accrual",
   "apy": null,
   "yield3": false,
   "url": "https://sky.money",
   "notes": "Yield source is mixed, not purely real assets."
  },
  {
   "name": "GOAT Safebox",
   "issuer": "GOAT Network",
   "source": "Decentralized sequencer rewards of GOAT Network (per official docs)",
   "paid": "BTC; your BTC is returned to your own wallet as a timelocked UTXO",
   "asset": "BTC",
   "selfCustody": true,
   "kyc": false,
   "chains": "Bitcoin L1 (timelock) + GOAT Network",
   "min": "1 BTC per round",
   "freq": "Fixed 90-day lock (payout timing unverified)",
   "apy": {
    "value": "1.5% APR",
    "src": "https://docs.goat.network/docs/users/community/safebox",
    "date": "2026-10-16"
   },
   "yield3": true,
   "url": "https://www.goat.network",
   "notes": "Whitelist only, Access ID via account manager (KYC not stated publicly). BTC locked 90 days. Yield 3.0 fit provisional: payout mechanics unverified."
  },
  {
   "name": "Seasons Node",
   "issuer": "Seasons (seasons.wtf)",
   "source": "Mainly a 10% tax on $SEAS trades, plus lending (SSYM) and DeFi vaults (YAV). Depends on trading volume; holders bear $SEAS price risk.",
   "paid": "30% XAUt0 (gold), 30% wBTC, 40% jlUSDC",
   "asset": "Gold, BTC, USD",
   "selfCustody": true,
   "kyc": false,
   "chains": "Solana",
   "min": "10,000 $SEAS for a Node (Builder Nodes from 1,000 $SEAS, weekly)",
   "freq": "2\u00d7 per week (Sun + Wed)",
   "apy": null,
   "yield3": true,
   "url": "https://seasons.wtf",
   "notes": "Built by the Seasons team. Seasons is listed and rated on the same criteria as everyone else. Badge '90+ onchain distributions' not shown yet: evidence link pending.",
   "disclosure": true
  }
 ]
}