Strata app
Hold mortgage yield
in seconds.
One token, traded on a public curve like any other. No account to open, no minimum to clear, and nothing standing between a holder and the chain the reserve sits on.
Reserve
Fee wallet
Total supply
Network
Protocol
Three steps,
all onchain.
Three steps, each of them verifiable. The fee is the curve's own creator mechanism, the reserve is an address anyone can read, and the mandate is written down here.
01
Buy
HOLD launches on a Solana bonding curve priced in SOL, then migrates to an AMM pool once the curve completes. Every trade carries a creator fee, published at launch.
02
Reserve
That creator fee flows to a single public fee wallet on Solana. Its mandate is tokenized US mortgage credit, agency MBS ahead of everything else. Until such an instrument trades with real depth, it simply holds ETH.
03
Earn
Coupons, distributions and NAV changes on what the reserve holds go out to HOLD holders pro rata. Payouts begin once the reserve owns something that yields, and not a day earlier.
Market reference · US rates
The asset class, priced weekly.
As of 2026-09-10
30-Year Fixed
15-Year Fixed
10-Year Treasury
4-Week T-Bill
Freddie Mac PMMS and U.S. Treasury yields via FRED. Reference rates for the asset class — market data, not a yield this project pays.
Why mortgages
The largest credit market in the world isn't onchain.
Mortgage credit sits senior in the stack, is secured against real property, and gets repriced every week. Agency MBS account for roughly a quarter of the US aggregate bond index — and effectively none of that trades onchain today.
This is built for the moment that changes. The mandate is public before launch, the reserve starts filling with the very first trade, and the app reads Solana directly — so a market shows up here before anyone announces it.
Reserve mandate
What the reserve is allowed to hold.
In order of preference — an asset class, its nearest tokenized instrument, and whether that instrument has a real market yet.
Agency MBS
Fannie, Freddie and Ginnie pools
Onchain
Core bond, ~25% MBS
Tokenized US aggregate bond fund
On Solana
Mortgage REITs
Levered agency and non-agency books
Onchain
Listed real estate
Tokenized real estate index fund
On Solana
Rule
The reserve buys the highest tier that actually trades with depth — more than fifty holders and a thousand transfers, read from the explorer rather than announced. Until that threshold is met it holds SOL. It never holds HOLD.
Insights
The size of the thing.
US mortgage debt
Residential mortgage debt outstanding in the United States — the largest consumer credit market anywhere.
Federal Reserve, Z.1
Agency MBS
Share of the US aggregate bond index held in agency mortgage-backed securities — the slice the mandate reaches for first.
US Aggregate index
30-Year fixed
This week's average rate on a 30-year fixed mortgage — the number every homeowner knows, and the number a pool pays.
Primary mortgage market survey
iPhone
Strata for iOS.
Soon.
Your reserve, your yield and the market reference in your pocket — reading the chain exactly the way this page does. Wallet in the app, keys on the phone.