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What is USDREFI

USDREFI is a liquid, transferable, regenerative savings product built on Celo. At a high level:

  • Stablecoin in — deposit USDC into the vault

  • Productive deployment underneath — capital is deployed into curated real-world regenerative lending

  • Liquid on-chain token on top — receive USDREFI tokens representing your position

Users deposit stablecoins and receive USDREFI, representing a position in a vault that deploys capital into regenerative credit opportunities. Yield is generated from real-world lending to smallholder farmers, cooperatives, and micro-entrepreneurs who meet our curation standards. The vault handles all deployment, claiming, and reinvestment on behalf of users.

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The Gap in the Market

USDGLO and similar "for-good" stablecoins are inactive or have failed to scale. Stablecoin holders currently have no simple way to generate yield from regenerative sources. Existing ReFi lending products require active management, long lock-ups, and hands-on reinvestment. Meanwhile, demand for purpose-aligned on-chain yield is growing — but the options barely exist.

USDREFI fills that gap.

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What USDREFI Is Not

  • Not a risk-free stablecoin or capital-guaranteed product

  • Not a maximum-yield optimizer — yield comes from real lending, not leverage

  • Not a wrapped DeFi position or leverage play

  • Not uncurated — every yield source passes through the Credit Curation Framework

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Who It's For

For stablecoin holders: Higher total return than parking capital in standard savings, backed by real-world productive activity with clear regenerative alignment.

For ReFi participants: Much more liquid than direct lending, no manual claiming or reinvestment, simpler UX, and lower operational burden.

For the world: Passive stablecoin capital is channeled into real-world regenerative lending — an on-ramp from idle capital to measurable impact.

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