What REFI2 Delivers
A stable, transparent yield protocol backed by real-world collateral and on-chain controls.
- Overcollateralized Design
- Real-World Asset Backing
- On-Chain Transparency
- Instant Liquidity
- Reserve & Risk Controls
- Institutional-Grade Architecture
Overcollateralized Design
REFI2 is issued against verified mortgage collateral and liquid reserves, maintaining conservative collateralization at all times.
Real-World Asset Backing
Each token represents direct exposure to secured mortgage assets and cash balances, bridging traditional finance with on-chain infrastructure.
On-Chain Transparency
Circulating supply, collateral ratios, and reserve balances are visible on-chain, supported by external verification and oracle feeds.
Instant Liquidity
REFI2 can be traded or redeemed without lockups, with liquidity supported through decentralized exchanges and treasury buffers.
Reserve & Risk Controls
A dedicated treasury framework manages reserves, liquidity buffers, and safeguards designed to support system stability during market stress.
Institutional-Grade Architecture
Critical actions are secured via multi-signature control, upgradeable smart contracts, and comprehensive on-chain audit trails.
Real Assets, Real Yield
Stable yield should come from real cash flows, not leverage or opaque incentives.
The Problem
Many on-chain yield products rely on leverage or complex strategies that fail under stress. Hidden risk creates unpredictability instead of stability.
Many on-chain yield products rely on leverage or complex strategies that fail under stress.
Hidden risk creates unpredictability instead of stability.
The REFI2 Approach
Backed by secured mortgage assets and issued conservatively against verified collateral. Yield funded from real loan performance, not token emissions.
Backed by secured mortgage assets and issued conservatively against verified collateral.
Yield funded from real loan performance, not token emissions.
Peg Stability Mechanics
A layered defense model designed to keep REFI2 near its target value under normal and stressed conditions.
Overcollateralization
Every REFI2 token is backed by 102%+ in secured real estate assets, providing a buffer against market volatility and ensuring collateral value exceeds token supply.
Minimum collateralization ratio: 102%
Regular monitoring and rebalancing of collateral positions
Automatic adjustments when collateralization falls below threshold
How It Works
A transparent, end-to-end flow showing how on-chain capital is deployed into real-world mortgages and returned as stable yield.
User Wallet
Hold SOL or stablecoins directly in your wallet. No custody, no intermediaries.
Buy REFI2 Utility Token
Transferable utility token designed around a ~$1 target value. Used as the base asset for staking and yield.
Stake for sREFI2
Stake REFI2 to receive sREFI2, a non-transferable staking position. Represents your shared entitlement to yield.
Funds placed into secured mortgages
Capital is deployed into secured Canadian mortgages. Real-world collateral backs on-chain positions.
Mortgage Borrowers
Borrowers make regular interest payments on secured loans. These payments generate predictable cash flow.
USDC Yield
Interest is returned on-chain and distributed as USDC yield. Fully transparent and continuously accounted.
User Wallet
Hold SOL or stablecoins directly in your wallet. No custody, no intermediaries.
Buy REFI2 Utility Token
Transferable utility token designed around a ~$1 target value. Used as the base asset for staking and yield.
Stake for sREFI2
Stake REFI2 to receive sREFI2, a non-transferable staking position. Represents your shared entitlement to yield.
Funds placed into secured mortgages
Capital is deployed into secured Canadian mortgages. Real-world collateral backs on-chain positions.
Mortgage Borrowers
Borrowers make regular interest payments on secured loans. These payments generate predictable cash flow.
USDC Yield
Interest is returned on-chain and distributed as USDC yield. Fully transparent and continuously accounted.
A Yield Product Built on Real Assets
REFI2 generates yield from secured mortgage loans under conservative underwriting. Yield flows through a treasury framework and is distributed via optional staking, providing predictable returns with full on-chain transparency.
Secured Mortgage Assets
Backed by first- and second-position residential mortgages secured against Canadian real estate.
Treasury & Reserve Management
Interest income flows into a dedicated treasury with liquidity buffers and on-chain transparency.
Yield Distribution (sREFI2)
Stake REFI2 into sREFI2 to earn yield paid in USDC, claimable anytime.
Secured Mortgage Assets
Backed by first- and second-position residential mortgages secured against Canadian real estate. Loans maintain conservative loan-to-value ratios and clear exit plans.
Treasury & Reserve Management
Interest income flows into a dedicated treasury with liquidity buffers. Reserve balances and system metrics are visible on-chain for full transparency.
Yield Distribution (sREFI2)
Stake REFI2 into sREFI2 to earn yield paid in USDC. Rewards accrue continuously, are claimable anytime, and are funded directly from loan performance.
Positioning in the Yield Landscape
Collateralization
Minimum Investment
Yield Frequency
Redemption Time
Verification
Geographic Access
Risk Profile
| Characteristic | REFI2 | Traditional Bonds | DeFi Yield | Savings Accounts |
|---|---|---|---|---|
| Collateralization | Overcollateralized (≥102%) | Issuer-backed | Variable | Government insured |
| Minimum Investment | $1 | Typically $1,000+ | Variable | No minimum |
| Yield Frequency | Continuous (user requested) | Semi-annual | Variable | Monthly |
| Redemption Time | Immediate (subject to liquidity) | Market-dependent | Variable | Immediate |
| Verification | On-chain events | Periodic statements | Blockchain explorer | Bank statements |
| Geographic Access | Global | Jurisdiction-dependent | Global | Jurisdiction-dependent |
| Risk Profile | Low–moderate | Low | High | Very low |
This comparison is provided for contextual purposes only and does not constitute investment advice.
Our Story
REFI2 isn't just another token, it's the next evolution of responsible finance. Our mission is to open access to stable, asset-backed returns while funding the real economy, one mortgage at a time.
Get In Touch
Have questions about REFI2 or want to discuss large transactions? We're here to help.