FAQs

Institutional and corporate partners, liquidity providers, corporate treasuries, and family offices can use USDr as a capital stability tool. The platform is equally designed for the broader Web3 ecosystem and DeFi protocols in putting idle funds to productive use as collateral, contributing to more sustainable, non-inflationary activity across the decentralized economy.

RealFi generates its returns by deploying capital into a diversified portfolio of real-world assets including U.S. Treasuries, money market funds, investment grade CLO ETFs, floating-rate corporate notes, and private credit, deliberately avoiding fragile, speculative crypto trading strategies.

USDr is a liquid, USD-denominated stablecoin that serves as RealFi's foundational base asset, designed to provide capital stability and operational liquidity, trading, and everyday digital transactions.

USDr is backed 1:1 by a reserve portfolio anchored by a dedicated buffer of U.S. Treasury bills and tokenised government money market funds, with the balance in liquid floating-rate credit and short-tenor, senior-secured private credit. The buffer is sized so that expected and stressed redemptions can be met without selling private assets.

USDr distinguishes itself from legacy stablecoins by putting idle capital to work without relying on speculative crypto trading.

Early stablecoins retain all reserve earnings for the issuer, while later models depend on fragile, market-correlated strategies. USDr takes a different approach: its reserves are deployed into a diversified portfolio of U.S. Treasuries, money market funds, investment grade CLO ETFs, and senior-secured private credit.

Whitelisted institutional participants may redeem USDr through the direct mint-and-redeem interface. The process follows a human-approved, first-in-first-out queue, subject to daily and monthly throttle limits designed to protect reserve liquidity. Redemption timing depends on queue position and reserve composition and is not guaranteed within any specific window.

Retail users may exit USDr by trading on supported decentralized exchanges. The protocol does not guarantee the availability, depth, or price of secondary market liquidity. The price at which a retail user can exit may differ from the target value of USDr.

As a whitelisted institution or market maker, you can directly mint USDr by depositing eligible stablecoin collateral like USDC and USDM into the protocol's Fund Pool.

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- Eternl
- Trezor
- Ledger

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The RealFi Points mechanism (R-Points) is our loyalty program that rewards users for ecosystem-strengthening activities like referring friends and providing ecosystem liquidity. Users accumulate these points daily, with the potential to earn multipliers through seasonal campaigns or by locking capital for extended periods.

Rather than being tradeable themselves, accumulated points could in future be converted into the protocol's governance token, RFG, during seasonal windows. R-Points have no monetary value and do not constitute a financial instrument, security, token, or any other regulated product.

RFG tokens are not issued on a continuous basis; instead, you regularly accumulate R-Points through your ecosystem participation and development, which are then converted into RFG tokens during specific intervals known as ‘seasonal distribution windows’ (subject to specific exchange rates and project KPIs being met).

During these conversion events, the conversion rate will be determined and published ahead of each distribution window. Distributed RFG tokens are subject to a vesting schedule.

R-Points do not entitle holders to receive RFG. The specific tokenomics, distribution mechanics, conversion rates, vesting schedules, and governance rights of RFG will be disclosed in connection with the RFG token generation event in accordance with applicable law.