Test mode — no real money moves. Yield is simulated from RHEA's live USDC rate.
Hugshire
How it works

The money model, in plain words

Hugshire is built so that your principal stays yours and only real yield reaches causes. Here is every step, including the parts that cost money or take time.
  1. 1
    You add dollars
    Coinbase Onramp

    Coinbase checkout (card or Apple Pay). You receive USDC — a dollar stablecoin — on the Base network, in a wallet that belongs to you.

  2. 2
    USDC crosses to NEAR
    NEAR Intents 1Click

    NEAR Intents swaps Base USDC for NEAR USDC at a quoted rate. If something fails, the bridge refunds to your Base wallet.

  3. 3
    You deposit into the Vault
    Hugshire Vault

    The Hugshire Vault is a small smart contract. It records your principal under your own NEAR account and supplies the pooled USDC to RHEA lending.

  4. 4
    Borrowers pay interest
    RHEA Finance

    RHEA lends to borrowers who post collateral. The interest they pay grows the pool. The rate changes constantly and can be very low.

  5. 5
    Hugshire measures the yield
    Hugshire ledger

    Every few minutes Hugshire compares what the pool holds with what it already accounts for. Only that real difference is yield. It is shared by how much you had in, and for how long.

  6. 6
    You deliver it to causes
    You, or auto mode

    Carry parcels to a Cause Hall, press Deliver, or let auto mode follow your rules. Deliveries are paid on chain to the organisation's verified account, in batches.

What playing changes
  • • When your earned yield is delivered
  • • Which approved cause receives it
What playing never changes
  • • How much yield your money earns
  • • Your principal
  • • Anyone else's share
Auto mode

If you don't play for an hour (you can change this), your helpers switch to auto. When your ready-to-deliver yield passes your threshold, auto mode delivers it — to your last cause, a default, a favourite, or split by percentage. Come back and you are in control again.

Withdrawing

Ask for any part of your principal at any time. From that moment it stops earning. The Vault returns it to your NEAR account, it crosses back to Base, and you can cash out through Coinbase to your bank. Each stage shows on your portfolio. The amount you receive is the real value at the time, minus the bridge and cash-out fees. If RHEA ever lost money, every supporter would share the loss in proportion; the Vault never pays some people at the cost of others.

Fees

  • Coinbase network and card fees, shown at checkout.
  • NEAR Intents bridge fee (about 0.01% for USDC with a partner key, plus network costs), shown in the quote.
  • RHEA keeps part of borrower interest as protocol reserves; the supply rate shown is already after that.
  • Hugshire currently takes no fee from your yield or principal.
Risks, honestly
Hugshire is not a bank and is not insured. Yield is variable and can be zero. Your principal is not guaranteed: it depends on RHEA, on the Hugshire Vault contract (not yet independently audited), on USDC keeping its dollar value, and on the bridge. Withdrawals can be delayed by protocol liquidity. Don't put in money you might need urgently.