Yield

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Cardano

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RealFi's staked token $sUSDrf has become the sixth-highest-yielding asset on <a href="https://x.com/tokenterminal" rel="noopener noreferrer nofollow">@tokenterminal</a>, according to figures from the data platform. The product, issued by <a href="https://x.com/RealFi_co" rel="noopener noreferrer nofollow">@RealFi_co</a>, is earning an annual return of 12.17% roughly 30 days after its launch on the <a href="https://x.com/Cardano" rel="noopener noreferrer nofollow">@Cardano</a> mainnet.
The market median APY stands at 4.24%, derived from 319 onchain products analysed. The fund's market capitalisation is about $3 million. RealFi says it channels real-world credit returns through decentralised finance without bank intermediaries.
<h2 id="how-realfi-s-two-token-structure-works">How RealFi's Two-Token Structure Works</h2>
RealFi went live on Cardano's mainnet on Oct. 1, introducing two tokens, USDrf and sUSDrf. <a href="https://crypto.news/why-is-cardano-price-rising-as-open-interest-jumps/" rel="noopener noreferrer nofollow">According to crypto.news</a>, RealFi describes USDrf as a dollar-linked asset backed by a portfolio that includes direct lending, money-market instruments, U.S. Treasury bills and floating-rate bonds. Users can stake USDrf to receive sUSDrf, which carries exposure to the protocol's yield.
The launch included partners such as SundaeSwap, Lace and Liqwid. Cardano founder Charles Hoskinson said in July that he had invested several million dollars in RealFi, <a href="https://finance.yahoo.com/markets/crypto/articles/cardano-outpacing-bitcoin-xrp-driving-113741007.html" rel="noopener noreferrer nofollow">Yahoo Finance reported</a>.
The design separates liquidity from return generation. USDrf is the more liquid base asset, while sUSDrf takes on additional exposure to portfolio performance. Returns on sUSDrf are variable rather than fixed. RealFi's testnet-stage materials had pointed to indicative yields of up to 9% APY, as reported by <a href="https://www.bitget.com/news/detail/12560605493495" rel="noopener noreferrer nofollow">Bitget News</a>, so the current 12.17% figure sits above those earlier indications.
<h2 id="risks-behind-the-headline-yield">Risks Behind the Headline Yield</h2>
The ranking reflects a short track record. A 30-day return for a new product can shift sharply as the portfolio matures and deposits change. A market cap of about $3 million also means the fund is small compared with many products it is ranked against.
sUSDrf is also the riskier of the two tokens. <a href="https://cryptoslate.com/cardanos-defi-has-shrunk-by-more-than-half-and-realfi-is-betting-credit-can-revive-it/" rel="noopener noreferrer nofollow">CryptoSlate reported</a> that RealFi describes sUSDrf as a junior loss-absorbing instrument whose yield can fall to zero and whose principal can be impaired. If portfolio buffers are exhausted, sUSDrf holders take losses before senior USDrf holders. Unstaking takes seven days, and conversion back into USDrf is not guaranteed to remain one-for-one, according to <a href="https://www.altcoinbuzz.io/cardano-defi-falls-as-realfi-launches-credit-tokens" rel="noopener noreferrer nofollow">Altcoin Buzz</a>.
Access is also restricted in some regions, including the U.S., U.K. and European Union, per crypto.news.
Sources
<ul>
 <li><a href="https://crypto.news/why-is-cardano-price-rising-as-open-interest-jumps/" rel="noopener noreferrer nofollow">crypto.news: Why is Cardano price rising as open interest jumps 25%?</a></li>
 <li><a href="https://cryptoslate.com/cardanos-defi-has-shrunk-by-more-than-half-and-realfi-is-betting-credit-can-revive-it/" rel="noopener noreferrer nofollow">CryptoSlate: Cardano's DeFi has shrunk by more than half and RealFi is betting credit can revive it</a></li>
 <li><a href="https://finance.yahoo.com/markets/crypto/articles/cardano-outpacing-bitcoin-xrp-driving-113741007.html" rel="noopener noreferrer nofollow">Yahoo Finance: Cardano Is Outpacing Bitcoin And XRP</a></li>
</ul>
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RealFi's sUSDrf Ranks Sixth for Yield on Token Terminal After Cardano Launch

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