Earn on USDC
Deposit USDC into lending pools and earn daily auto-compounding interest. xUSDC receipt tokens track your position. 20% reserve ratio ensures instant withdrawal liquidity.
- 6% Flexible
- 7.5% Premium (90d)
- 9% Elite (365d)
Construction DeFi Finance — XWire AI Ecosystem
Finance Construction
with DeFi Technology
The financial layer of the XWire AI Construction Ecosystem. Earn up to 9% APY on USDC, invest in tokenized construction debt at 12% annual returns. Bank-backed by New Omni Bank.
Up to 9% APY
Tiered yields on USDC deposits, auto-compounded daily
Bank-Backed
New Omni Bank partnership with FDIC deposit insurance
Security First
Over-collateralized loans, 20% reserve ratio, real-time monitoring
How It Works
Get started with DeFi banking in four simple steps. No blockchain experience required.
01
Create Account
Sign up in minutes with email verification and KYC compliance. No minimum balance required to get started.
02
Deposit USDC
Fund your account via Circle on-ramp, MoonPay, or direct USDC transfer. Deposits are credited instantly.
03
Choose Your Strategy
Earn yield on deposits, borrow against collateral, or invest in tokenized real estate. Mix and match to build your portfolio.
04
Earn & Compound
Interest compounds daily and is deposited directly to your account. Withdraw anytime on flexible tiers.
DeFi Banking Products
Three core products designed for consistent, risk-adjusted returns on digital assets.
Borrow USDC
Post crypto or tokenized real estate as collateral and borrow USDC at competitive rates. Real-time health factor monitoring protects your position from liquidation.
- 8-12% APR
- ETH 75% LTV
- BTC 70% LTV
Invest in Real Estate
Purchase xRE tokens representing tokenized mezzanine construction debt. Bank-originated loans tokenized under Reg D 506(c) for accredited investors.
- 12% annual
- $100 minimum
- Monthly USDC payouts
Licensed Banking Partner
Backed by New Omni Bank
California State Chartered Commercial Bank providing licensed loan origination, deposit services, and trade finance.
Licensed Lending
Bank-originated construction loans with full regulatory compliance.
Bank Deposits
Bank deposits at New Omni Bank are FDIC insured. DeFi pools are not.
Trade Finance
Letters of Credit for international procurement via supply.xwire.ai.
Tokenized Participation
Bank originates loans, xwire.ai tokenizes via xRE tokens (Reg D 506c).
Ecosystem Integration
Four platforms: DeFi banking, supply chain, project management, ADU.
$1.6M
Tokenization Pipeline
595 Morey Dr, Menlo Park$1M
Carriage Cove, San Jose$100K
94 Palmer Ln, Atherton$500K
12% annual target return
XWire AI Ecosystem
Part of a Complete Construction Technology Ecosystem
defi.xwire.ai is the financial layer of the XWire AI ecosystem — five integrated platforms covering the full construction lifecycle from planning to financing to delivery.
XWire PM
AI project management with BIM
XWire Supply
Factory direct global supply chain
XWire DeFi
Construction finance & lending
AI ADU
Modular & ADU construction
AdNow AI
AI-powered marketing
How the Ecosystem Works Together
Plan(PM)Source(Supply)Finance(DeFi)Build(ADU)Grow(AdNow)
550K+ professionals across the ecosystem. Contractors, architects, designers, and brokers — all connected through Silicon Valley AI.
Active Construction Pipeline
Real projects being financed through the platform. Bank-originated construction loans tokenized into xRE securities.
595 Morey Drive
Menlo Park, CA
Raise: $1M
Tokens: 100K xRE
Rate: 12% annual
Type: ICF + Steel Frame
Carriage Cove Ct
San Jose, CA
Raise: $100K
Tokens: 10K xRE
Rate: 12% annual
Type: Residential ADU
94 Palmer Lane
Atherton, CA
Raise: $500K
Tokens: 50K xRE
Rate: 12% annual
Type: Luxury Residential
Frequently Asked Questions
Common questions about DeFi banking, USDC yields, and tokenized real estate investing.
What is defi.xwire.ai?+
defi.xwire.ai is a bank-backed DeFi banking platform that combines traditional banking security with decentralized finance yields. You can earn up to 9% APY on USDC deposits, borrow against crypto collateral at 8-12% APR, and invest in tokenized real estate construction debt at 12% annual returns.
How much APY can I earn on USDC deposits?+
We offer three deposit tiers: Flexible at 6% APY with instant withdrawals, Premium at 7.5% APY with a 90-day lock period, and Elite at 9% APY with a 365-day lock period. All interest is auto-compounded daily.
Is my deposit FDIC insured?+
Bank deposits held at New Omni Bank are FDIC insured up to $250,000 per depositor via IntraFi ICS sweep. DeFi lending pool deposits are not FDIC insured but are secured by over-collateralized borrowing and a 20% liquidity reserve.
What collateral can I use for borrowing?+
You can post USDC (90% LTV), ETH (75% LTV), WBTC (70% LTV), or tokenized real estate xRE tokens (60% LTV) as collateral. Real-time health factor monitoring and automated alerts protect your position.
What is the minimum investment for tokenized real estate?+
The minimum investment is $100 (10 tokens at $10 each). xRE tokens represent tokenized mezzanine construction debt targeting 12% annual returns with monthly USDC distributions, issued under Reg D 506(c) for accredited investors.
How does the bank partnership work?+
New Omni Bank (华采商业银行) is a California State Chartered Commercial Bank that originates construction loans. defi.xwire.ai tokenizes these bank-originated loans into xRE security tokens, combining traditional bank underwriting with DeFi accessibility.