Staked shUSD: monthly cash yield
Stake shUSD in the Shores app to receive a monthly cash yield, with an 8% target. You are paid for the time your shUSD was actually staked during the month. The yield is credited to your balance in the app. You can withdraw it at any time or leave it there.Unstaked shUSD: value accrual
If you do not stake, your shUSD does not receive cash. Its share of net interest stays in the vault and raises NAV, so unstaked tokens accrue value.Where the yield comes from
Borrowers pay 12–14% on bridge loans secured by first liens on real property. After fees, the 8% target is what reaches staked shUSD. See Fees and economics.The 8% figure is a target that is never promised. The actual yield can be higher or lower depending on loan performance, how much of the vault is lent out and fees.