Question 1

What is defi.xwire.ai?

Accepted Answer

defi.xwire.ai is a bank-backed DeFi banking platform where you can earn up to 9% APY on USDC deposits, borrow at 8-12% APR with crypto collateral, and invest in tokenized real estate at 12% annual returns. The platform is backed by New Omni Bank, a California State Chartered Commercial Bank.

Question 2

How much APY can I earn on USDC deposits?

Accepted Answer

defi.xwire.ai offers 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. Interest is auto-compounded daily.

Question 3

Is my deposit FDIC insured?

Accepted Answer

Bank deposits held at New Omni Bank are FDIC insured up to $250,000 per depositor. DeFi lending pool deposits are not FDIC insured but are secured by protocol reserves and over-collateralized borrowing.

Question 4

What collateral can I use for borrowing?

Accepted Answer

You can post USDC (90% LTV), ETH (75% LTV), WBTC (70% LTV), or tokenized real estate tokens (60% LTV) as collateral. Real-time health factor monitoring ensures position safety.

Question 5

What is the minimum investment for tokenized real estate?

Accepted Answer

The minimum investment is $100 (10 tokens at $10 each). xRE tokens represent tokenized mezzanine construction debt issued under Reg D 506(c) for accredited investors, targeting 12% annual returns with monthly USDC distributions.