> For the complete documentation index, see [llms.txt](https://docs.realfi.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.realfi.co/frequently-asked-questions/how-is-usdrf-different-from-other-stablecoins.md).

# How is USDrf different from other stablecoins?

USDrf 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 U.S. Treasuries, money market funds, investment grade CLO ETFs, and senior-secured private credit.