Dollars you hold.
Real-world yield you choose.
USDrf to hold. sUSDrf to earn yield from real-world lending.
Updated 04:05 UTC
sUSDrf current rate
12.2%
Variable, not guaranteed. Capital at risk.
A historical figure; future results may differ. sUSDrf takes losses first. Target range 10–15% after fees.
USDrf
sUSDrfAllocation
See where it goes.
Every asset and its status, in one place.
As of 13 Nov 2026
Share of reserves
AssetShare
Direct lendingLoans to real businesses
93%
Cash & tokenized treasuriesCash and tokenized short-term government debt
5.7%
Loan fundsExchange-traded funds that hold slices of pooled business loans (CLO ETFs)
1.3%
Our loans are , with the borrower's own equity beneath them as a buffer.
Ecosystem
Works with the tools you use.
Compare
See how it compares.
Idle money earns little. Know what yours is worth.
Annual rate, after fees
Where your money sitsAnnual rateA year
sUSDrfTarget range, after feesCurrent 12.2%
10–15%
Competitor yieldAverage of published rates · October 2026
5.2%
Government billsUS Treasuries, 3-month · 13 Oct 2026
4.26%
Bank savingsFDIC national average · 17 Aug 2026
0.38%
Stablecoins, holding onlyNo yield to holders
0%
- sUSDrf target range
- Current rate
- Other options
Returns are , based on current rates and the sUSDrf target range. Variable, not guaranteed. Capital at risk. sUSDrf absorbs losses first.
See the risks (opens in a new tab)Get started
Where to get started.
In-walletLace
Get USDrf and stake into sUSDrf, all inside your Lace wallet.lace.io (opens in a new tab)Eternl
Connect Eternl to the RealFi app to get USDrf and stake into sUSDrf.eternl.io (opens in a new tab)
RealFi app
Get USDrf, hold it, or stake it for sUSDrf.app.realfi.co (opens in a new tab)
Liqwid
Lend or borrow with USDrf on Liqwid.liqwid.finance (opens in a new tab)
