NUVA is bringing real world credit onchain through HOME, its flagship DeFi vault backed by US residential mortgage loans. With a minimum deposit of just 1 USDC, users can access a managed portfolio of housing loans originated by Figure and its partners. The vault targets a 7% annual policy rate, with yield accruing directly into the nvHOME token. It also features a first-loss buffer targeting 5% of the vault cap. I recently did a video review of the @NUVAFinance platform, exploring its vaults, points system, leaderboard, and dApps where users can participate to earn points. Although Season 0 of the points program has ended, Season 1 is expected to go live soon, alongside the Morpho listing. NUVA is worth watching as the intersection of traditional credit and onchain DeFi continues to evolve. As always, the 7% rate is a target, not a guaranteed return, and users should understand the risks before depositing.