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Mainnet product guide draft · English v1.1 · 12 October 2026 Docs Home · Funds · ARCO Ecosystem HOME adds U.S. residential private credit to ARCO’s Funds launch lineup through NUVA and Figure. It provides exposure to home equity lines of credit (HELOCs): loans secured against homeowners’ equity in their residential properties.

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Product overview

Size and return figures reproduce the ARCO launch catalog, whose default reference date is 30 September 2026. They are reference figures, not live ARCO balances or realized user returns.

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Assets and management

Figure Technology Solutions and its partners originate the loans; Figure Investment Advisors LLC manages the portfolio. NUVA’s HOME guide identifies HELOCs as the launch exposure, with other residential loan types described as future additions. NUVA HOME guide

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Returns and first-loss capital

HOME’s policy rate is a target, reset monthly, with accrual reflected in nvHOME value. The catalog labels approximately 7% as target net APY. Actual performance and applicable costs follow the product terms. HOME product information The catalog’s 5% first-loss description refers to equity capital intended to absorb portfolio losses before holders. NUVA’s detailed guide describes a target of approximately 5% of vault cap, outside holder TVL. Its YLDS liquidity sleeve is a separate part of the portfolio. Applicable terms and capital reporting establish the funded buffer and loss allocation; neither the target buffer nor the target rate guarantees principal or returns. First-loss structure

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Liquidity and ARCO settlement

NUVA describes withdrawal requests as available 24/7, with typical processing within three U.S. business days. ARCO redemption routes and any Instant quote require their own liquidity and settlement conditions. External withdrawal terms Within ARCO, purchases follow the common Funds settlement flow: receive and burn arcoUSD, settle the external asset purchase using treasury reserves, and confirm receipt before crediting the product token. The ARCO product specification identifies the token received, supported payment asset, valuation, fees and holder rights.

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Eligibility and rights

NUVA’s external offering documents define its issuer, claim structure and participation restrictions. Figure’s origination and management roles are separate from vault-token issuance. The applicable ARCO contract also defines eligibility, custody, claims and the relationship to the external asset. NUVA legal structure, NUVA terms