Token structure
The ecosystem separates liquid settlement from yield participation: REFI2 is the transferable USD-pegged utility token, while sREFI2 is the non-transferable, KYC-gated staking token for eligible investors.
REFI2
Transferable 1:1 USD-pegged utility token
Role in the pair
REFI2 powers settlement, liquidity, staking, and redemption.
sREFI2
Non-transferable KYC-gated staking token
Role in the pair
sREFI2 records the compliant staking position and yield claim.
BUSINESS MODEL
Capital moves from secured Canadian mortgage origination into tokenized access, borrower-paid cash flow, and liquid yield pathways on-chain.
Licensed partners deploy funds into a pool of Canadian private mortgages.
REFI2 is issued against secured mortgage collateral and can be staked into sREFI2 for yield participation.
Mortgage payments stream back to the ecosystem and are distributed to eligible sREFI2 holders in USDC.
Holders can claim, compound, redeem against treasury liquidity, or trade REFI2 through available markets.
Peg defense
Fast layers absorb normal volatility, medium-speed layers respond to elevated stress, and slower layers ensure solvency under severe redemption scenarios.
01Overcollateralization
Structural backing
Every $1.00 of REFI2 in circulation is backed by more than $1.00 in secured mortgage collateral and reserves, with a site-wide standard of 110%+ collateralization. This passive buffer absorbs asset volatility and defaults before stress reaches the peg.
Full architecture in Protecting The Peg
PEG DEFENSE FLYWHEEL
REFI2's peg defense is designed so below-par intervention is not just defensive. Discounted token purchases can reduce circulating supply, improve collateralization per token, and give mortgage cash flows time to rebuild reserves.
PROJECT YOUR RETURNS
Initial Stake
$10,000.00
Total Yield Earned
$800.00
Final Amount
$10,800.00
APY
8%
Illustrative estimates. Returns are not guaranteed.
