> For the complete documentation index, see [llms.txt](https://lendxyz.gitbook.io/lend/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://lendxyz.gitbook.io/lend/introduction/what-is-lend.md).

# What is Lend?

Lend is a Web3-native investment platform that brings real estate on-chain.\
It allows crypto users to access high-yield real estate operations, starting from 1 USDC, with fully compliant and non-custodial infrastructure.

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#### 🔗 [Real Estate, Tokenized](/lend/fundamentals/structure-of-an-operation.md)

Each deal on Lend is a real estate investment opportunity structured through a dedicated SPV (Special Purpose Vehicle).\
When you invest, you receive an **opLend token**, representing your legal share of the underlying operation.

Strategies include:

* Property redevelopment (buy, renovate, resell)
* Short-term rental (Airbnb, Booking etc.)
* Property flipping
* High-yielding commercial real estate
* Hotel & Datacenter constructions

Holding periods vary between 12 months and 8+ years, depending on the strategy and market conditions. But the average lifespan of an operation is 16 months.

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#### 🧾 [Legal & Compliant](/lend/fundamentals/compliance.md)

At the time of investment:

* You connect your wallet
* Fill in your identity (name, email, address)
* Sign a **bond agreement** onchain
* Deposit USDC (or bridge from another chain)

Your investment is instantly confirmed and your **opLend** token is minted.\
Each project is declared to the AMF under a **DIS** (Document d’Information Synthétique), in full compliance with EU regulation.

Lend keeps a declarative registry of investors for legal purposes. Full KYC is optional, but enables redemption or document download if required.

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#### 📈 [Earnings & Yields](/lend/fundamentals/revenues-distribution.md)

All returns are distributed in **USDC**, claimable from the Lend dashboard.\
Payouts occur **weekly or monthly**, depending on the project. You’ll see the payout frequency on each project page before you invest.

Even in flipping operations, capital gains are distributed progressively after the asset is sold, based on expected returns.

Your opLend token is what unlocks access to these earnings. If you sell the token, the new holder becomes the recipient of future payouts.

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#### 🌉 Cross-Chain by design

Thanks to **LayerZero**, you can choose the blockchain where you want to receive your returns.\
This choice is made during the opLend mint and can be changed later. 

Lend is fully non-custodial. You hold your tokens. You control your funds.

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#### 🏛️ Simple, Professional-Grade Access

Each project is sourced and audited by professional real estate asset managers 

You get access to institutional-grade real estate, transparently, without needing €100K+ of capital.\
No hidden fees. APR is displayed net of all costs.<br>

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**🏗️ Vertical Integration & Aligned Incentives**

Lend operates through a vertically integrated structure. Each SPV created for a real estate operation is systematically co-owned by our parent company, Lend Real Estate SA, which holds >50% of the voting rights. That means we're never just a marketplace routing user capital to third parties, we're co-investors in every deal we offer.

No user funds leave the structure without us being exposed to the same outcome. Our incentives are aligned by design, not by policy.