> 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/real-world-backing/how-the-returns-reach-the-user.md). # How the returns reach the user As real-world borrowers make their contractual repayments, off-chain cash flows are reconciled by the RealFi Treasury. New USDr is then minted on-chain to reflect these realized profits and distributed to sUSDr holders via discrete weekly staking epochs. Consequently, each sUSDr becomes redeemable for progressively more USDr. The protocol maintains liquid reserves covering at least 120% of expected 7-day net redemptions, and holds a minimum of 10% of assets in the immediate-access liquidity buffer at all times. Returns are not guaranteed. Capital at risk. RealFi products are not available in the US, EU, UK, Hong Kong, and other restricted jurisdictions. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.realfi.co/real-world-backing/how-the-returns-reach-the-user.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.