One USDC-denominated effective rate, six diaspora corridors, full parameter transparency. No commercial assumptions — just the math Nova RealFi uses to price structured cross-border credit.
The effective rate is computed as contract rate (13.00%) + FX hedge (1.20%) + custody (0.15%) − SCPI sponsoring (4.20%), yielding 10.15% USDC. The SCPI subsidy reflects the EUR-equivalent yield that Nova routes back from sponsored real-estate fund participations.
Local mortgage benchmarks are representative all-in rates for non-resident borrowers in each corridor's destination market, sourced from central-bank filings and observed Q1 2026 quotes. They are estimates, not offers.