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 income-oriented performance by deploying capital into a diversified portfolio of real-world assets, deliberately avoiding fragile, speculative crypto trading strategies.

The protocol's treasury allocates funds across highly liquid U.S. Treasuries and money market funds, floating-rate global corporate bonds, and private credit deals.

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 fully backed 1:1 by a conservative portfolio of highly liquid assets – primarily U.S. Treasuries and money market funds – supporting continuous capital stability and immediate operational liquidity.

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 private credit, U.S. Treasuries, and global bonds – with returns grounded in real economic activity.

Active users who provide liquidity or maintain long-term allocations earn R-Points, an integrated loyalty system that rewards their project participation with potential future roles in the RealFi ecosystem.

If you are a whitelisted institution using the direct mint and redeem interface, the process follows a human-approved, first-in-first-out (FIFO) queue.

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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The RealFi Points mechanism (R-Points) is an off-chain loyalty program that rewards users for ecosystem-strengthening activities like minting USDr and providing long-term 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.

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 – full details will be published in the tokenomics documentation before launch.