About RealFi Staked USDrf

sUSDrf is the staked form of USDrf, the stablecoin issued by RealFi, a protocol built on Cardano that connects on-chain capital to real-world credit markets. Users stake USDrf with the protocol and receive sUSDrf, a non-rebasing receipt token: the number of tokens held stays constant while the value of each sUSDrf in USDrf terms increases as the reserve portfolio generates and accrues income. The reserve behind the system is anchored by a liquidity buffer of U.S. Treasury bills and tokenised government money market funds, with the balance held in liquid floating-rate credit, investment-grade CLO ETFs and short-tenor, senior-secured private credit to fintech lenders. sUSDrf targets 8–10% net APY; returns are variable, not guaranteed, and capital is at risk. Within the protocol's two-token structure sUSDrf sits junior to USDrf and is designed to absorb portfolio losses before USDrf holders are affected. Unstaking sUSDrf back to USDrf is subject to a seven-day cooldown. RealFi is backed by Input Output (IOG), the engineering company behind Cardano. The protocol launched on Cardano mainnet on 1 October 2026, with an Ethereum deployment to follow. USDrf and sUSDrf are issued by British Virgin Islands business companies and the protocol is governed by the RealFi Foundation, a Cayman Islands foundation company. RealFi products are not available to users in the United States, European Union, United Kingdom, Hong Kong or other restricted jurisdictions. sUSDrf is not a bank deposit, is not insured and carries risk, including potential loss of principal.