> 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/realfi-tokens/usdrf-base-stablecoin.md).

# USDrf (base stablecoin)

USDrf is RealFi’s foundational, USD-denominated stablecoin, purpose-built to provide capital stability, operational liquidity, and seamless utility for everyday digital transactions and trading. USDrf is backed 1:1 by a reserve portfolio anchored by a dedicated liquidity buffer of U.S. Treasury bills and tokenized money market funds, supplemented by liquid floating-rate credit and short-tenor, senior-secured private credit. The liquidity buffer is sized so that expected and stressed redemptions can be met without selling private assets.

RealFi distinguishes itself from legacy stablecoins by putting idle digital dollars to work without relying on speculative crypto trading. Early-generation stablecoins hoard all reserve earnings for the issuer, while later iterations rely on fragile, market-correlated synthetic strategies that can evaporate during bear markets.

USDrf is a digital asset that provides exposure to a portfolio of real-world financial instruments. It is not a bank deposit, is not insured, and carries risk, including potential loss of principal.

USDrf is the native asset 7d9e4a0ee1a3f5d5ff8159ea91a83310cf2795ee7a87170c7aea05ae55534472.

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