@plumenetwork has launched its nPRIME vault, giving DeFi users direct exposure to real-world home equity lending through PRIME, a Hastra token built on Figure's lending infrastructure.
PRIME is a liquid staking token on the Solana and Ethereum blockchains that provides decentralised access to institutional-grade yields generated from real-world home equity loans. It is the yield-bearing receipt token of the Hastra protocol, designed to bridge traditional finance and DeFi, serving as the primary vehicle for users to capture yields from Figure's Home Equity Line of Credit (HELOC) portfolios.
How the yield works
PRIME represents tokenised exposure to the yield generated in the Home Equity Pool on Figure's Democratized Prime, which consists of a pool of residential real estate loans originated by Figure. The income is not synthetic. Value moves through the system as borrowers pay interest on their real-world loans, which is then captured by the protocol and distributed to PRIME holders. The yield is not guaranteed and reflects actual borrower repayment performance.
Through Plume's nPRIME vault, depositors bypass Hastra's hourly rate auctions entirely. The vault captures interest from Figure's loans in the period before those loans are sold on to long-term institutional investors, passing that income directly to depositors.
Figure provides access to yields generated from its $1 billion-plus a month in onchain loan originations through Democratized Prime. Figure CEO Michael Tannenbaum has said the platform has originated over $22 billion in onchain loans.
Plume's growing RWA vault ecosystem
The nPRIME vault is one of several real-world asset products on Plume. Users deposit into a vault and receive a vault token representing their position. Every vault holds regulated real-world assets, with yield accruing automatically as the vault token value grows.
Figure launched Hastra in 2025 on Solana as an extension of its existing lending infrastructure. The platform uses Figure's loan origination and credit systems to bring real-world assets onchain for DeFi investors, and is now expanding to Ethereum-compatible EVM chains to reach a larger segment of the DeFi ecosystem.
The integration signals a broader push to connect TradFi credit markets with DeFi liquidity, allowing retail participants to access yield streams previously limited to institutional investors. As with any real-world credit product, the return is tied to underlying borrower performance and carries associated credit risk.
Sources
CoinGecko: Hastra PRIME (PRIME) Token Overview
RWA.xyz: PRIME Asset Analytics
Figure: RWA Consortium Launch Announcement