Goverance
USDREFI governance is designed for practical decision-making at current scale, with a clear path to progressive decentralization.
Foundation Multisig
During the current phase, vault assets are held in multisig-controlled Gnosis Safes operated by the Regenerative Finance Foundation. The Foundation Safe uses a 2-of-3 threshold with clear signer roles and separation of duties.
The Foundation Safe controls:
Capital deployment into curated credit pools
Vault parameters (global cap, tier caps)
TierRegistry overrides
Emergency withdrawal toggle
Reward distribution funding
Legal Structure
USDREFI launches as a non-custodial, hosted solution. During the Beta phase:
The Regenerative Finance Foundation hosts the interface
The Foundation acts as counterparty to lending platforms
Users sign Terms and Conditions via wallet on first deposit
The Foundation is not liable for losses
Product details may change at the Foundation's discretion
To increase deposit ceilings or introduce more complex assets, Regenerative intends to transition to a dedicated legal entity (e.g. a Curaçao BV or external regulated service provider).
Terms & Conditions
Key terms users agree to on first deposit:
No direct withdrawals — exit via secondary market swap only
USDREFI may trade at discount or premium
Reward rates are not guaranteed
The Foundation is not liable for losses from credit defaults, market conditions, or operational issues
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