Overview

REFI2 is a stable-value digital asset pegged to the U.S. Dollar, backed by secured lending and mortgage investments in stable jurisdictions. The protocol combines real-world collateral with blockchain technology to provide transparent, accessible yield generation for verified participants.

The REFI2 ecosystem consists of two primary tokens: REFI2, a fully collateralized USD-pegged token, and sREFI2, a non-transferable staking token that accrues fixed annual yield. Yield is generated from secured second-position residential and commercial mortgages in Canada, managed by affiliated entities under strict compliance and regulatory oversight.

Key Components

  • •REFI2 Token: Token-2022 compliant stable-value token pegged 1:1 to USD, used for trading, liquidity provision, and staking.
  • •sREFI2 Staking Contract: Non-transferable token that represents staked REFI2 plus accrued yield, enabling fixed annual yield distribution in USDC.
  • •Yield Engine: Backend system that deploys capital into secured lending products and mortgage investments, generating the underlying yield.
  • •Compliance Framework: KYC/AML verification, regulatory compliance under Cayman Islands jurisdiction, and audited smart contracts.

How It Works

Investors complete KYC verification and stake REFI2 tokens through the smart contract, receiving sREFI2 in return. Yield accumulates continuously and is distributed in USDC whenever holders choose to claim. The protocol maintains overcollateralization to protect the REFI2 peg, with reserves held in secure custody and regularly audited.

All operations are transparent and verifiable on-chain, with quarterly reporting, annual audits, and proof-of-reserve attestations available to stakeholders. The system is designed for scalability, with infrastructure ready to accommodate growth in capital deployment and participant base.

Important: This Resources section provides due diligence materials and transparency documentation. It is not a sales or promotional page. All information should be verified against on-chain data, which serves as the primary source of truth for protocol operations.

Purpose: Due Diligence & Transparency

This section exists to provide stakeholders with the information necessary to evaluate REFI2's fundamental mechanics, risk factors, operational procedures, and transparency measures. The content is structured to support independent due diligence and informed decision-making.

This is not a sales or promotional page. It is a transparency and due diligence resource designed to present factual information about protocol operations, collateral management, yield generation, and risk controls in a clear, accessible format.

All information presented here should be considered alongside on-chain data, which serves as the primary source of truth for protocol operations. On-chain events, transactions, and distributions are publicly verifiable and provide the definitive record of REFI2's activities.