# What is Flint?

Flint gives onchain investors access to real estate debt yield without going through a custodian, a broker, or a fund manager. You deposit USDC, earn \~10% APR backed by euro-denominated real estate bonds, and receive distributions every week directly to your wallet.

The underlying exposure comes from tokenized debt originated through lend.xyz's opLend infrastructure. The vault itself runs on Lagoon Finance, which implements the ERC-7540 standard for NAV-based settlement with asynchronous subscriptions and redemptions. Everything is audited, permissionless, and traceable on-chain.

## Why it exists

Most yield products in DeFi fall into one of two categories: circular tokenomics with no real backing, or legitimate exposure wrapped in enough complexity that most people can't properly assess the risk. Flint is an attempt to build something in neither category, which means real yield from real economic activity, with a transparent risk framework and a professional curator managing the allocation.

## What you actually get

|                      |                                                                  |
| -------------------- | ---------------------------------------------------------------- |
| \~10% APR            | Backed by real estate bond operations via lend.xyz               |
| Weekly distributions | Settled on-chain, traceable from protocol revenue to your wallet |
| Non-custodial        | Permissionless smart contracts, no intermediary holding funds    |
| Risk-managed         | Curated by 9 Summits with a formal due diligence process         |
| Transparent          | Every allocation is audited and verifiable on-chain              |

## Who it's for

USDC holders looking for sustainable yield from real-economy assets, DeFi investors who want RWA exposure without having to navigate the origination side themselves, and participants who need a curated, audited structure rather than raw protocol access.

## Key numbers

* \~10% APR (30-day average)
* Weekly distributions
* \~18 month average duration on underlying bonds
* 7 to 21 day target redemption window
* $24M+ AUM managed by 9 Summits across all strategies

***

*Next:* [*The Vaults*](/flintrwa-docs/the-vaults/overview.md)


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