# FAQ

#### Is Nest non-custodial?

Yes. Nest is 100% **non-custodial**—you remain in control of your funds at all times. Vaults are fully onchain smart contracts, and Nest never has access to your assets.

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#### How does Nest generate yield?

Vaults allocate your stablecoins into **real-world, regulated financial assets**, such as:

* U.S. Treasuries
* Floating-rate loan ETFs
* Private credit and receivables
* Delta-neutral crypto strategies

Yield accrues automatically and is reflected in the increasing value of your vault tokens.

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#### How quickly can I redeem my funds?

It depends on the **vault**:

* Some offer **instant or near-instant** liquidity.
* Others may take **several days to settle** based on asset redemption timelines.

You’ll always see the estimated wait time before redeeming. Assets continue earning yield during the redemption period.

[Learn more about vault liquidity](https://docs.nest.credit/about/liquidity-and-redemptions)

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#### What is a vault token?

A **vault token** is an ERC-20 token you receive when depositing into a Nest vault. Its value increases over time as the vault earns yield.\
You can:

* Hold it to passively earn
* Redeem it for stablecoins
* Use it in DeFi integrations (e.g., as collateral)

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#### Who can access Nest?

Nest is globally available to most users, except those in **restricted jurisdictions** due to sanctions or regulatory requirements.

Compliance is enforced **onchain** using Plume’s AML screening system.

[View restricted countries list](https://docs.nest.credit/security-and-compliance/geographic-restrictions)

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#### Do I need to KYC?

No. Nest uses **onchain AML screening**—you don’t need to provide personal information or complete KYC.

All wallet interactions are automatically screened without compromising user privacy.

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#### What is Plume, and how is it related?

**Plume** is underlying onchain infrastructure that powers Nest and enforces AML rules onchain.

[Learn more about Plume](https://plume.org)

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#### Are the smart contracts audited?

Yes. All vaults are built on **audited BoringVault smart contracts**, with multiple rounds of third-party reviews.

 [See audit history](https://docs.nest.credit/security-and-compliance/audits)

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#### How do I verify vault holdings?

Visit the **Nest App** for real-time vault data, including:

* Asset composition
* APY trends
* Risk assessments
* Redemption timelines

[Go to Nest](https://app.nest.credit)

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#### Where can I get help?

* For app support or vault-specific questions, chat with us on [Discord](https://discord.com/invite/nest)
* Follow us on [Twitter](https://x.com/nestcredit) for news & updates
* For dev-related questions, check out the [Developer Docs](https://docs.nest.credit/developers)