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Ref Finance

Your one-stop shop on NEAR Protocol
Category
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Finance
Blockchain
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NEAR
Currency
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REF
Publisher
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Ref Finance Team
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What is Ref Finance?
Ref Finance is a community-led, multi-purpose DeFi platform built on NEAR Protocol.
Ref takes full advantage of NEAR’s low fees, one-to-two second finality, and WebAssembly-based runtime (hello, Rust smart contracts!).

In addition to the advantages of being built on top of NEAR, Ref Finance provides:
Multiple pools in one contract
Atomic transactions
Customisable pool fee
Ref Finance is a community-led, multi-purpose DeFi platform built on the NEAR Protocol.
Ref takes full advantage of NEAR’s low fees, one-to-two second finality, and WebAssembly-based runtime (hello, Rust smart contracts!).
In addition to the advantages of being built on top of NEAR, Ref Finance provides:
Multiple pools in one contract
Atomic transactions
Customisable pool fee
Features

Trade
Trade tokens with our automated market maker (AMM) exchange

Pool
Provide liquidity and earn revenue from swap fee

Farm
Stake LP tokens into farms and earn rewards in return

Boost Farm
Stake LOVE tokens to get boosted incentives on multiple farms

Stake
Stake REF tokens to earn more REF tokens, by earning fees generated by the protocol

Vote
Lock your REF<>NEAR LP tokens to get veTokens and participate in the governance of the protocol and the allocation of liquidity incentives

Tokenomics
REF is a Governance token that also rewards its holders with a protocol revenue sharing model.
Token name: Ref Finance
Ticker: REF
Fungible Token Contract: token.v2.ref-finance.near
Fungible Token Standard: NEP-141
Fixed Supply: 100,000,000
IDO: 2,500,000 auctioned via Skyward Finance (July 26–31, 2021)

Core Values
Beyond voting power, anyone in our community is welcomed and encouraged to participate in the activities of the project, including, but not limited to:
Project Management: planning, project methodology, and documentation
Product Testing: unit test and end-to-end test
Product Strategy: benchmark, market analysis, and go-to-market plan
User Support and Moderation
PR and Communication

How Ref Finance Works
Ref Finance is an open-source software.
Inspired by Uniswap v2, Curve Finance, and iZiSwap, Ref Finance is an automated liquidity protocol powered by two constant product functions, and a discretized concentrated liquidity function:
Swap function: x * y = k
StableSwap function: χDn−1 * ∑ xi + ∏ xi = χDn + ( D / n )n
StableSwap function for yield-bearing tokens (Rated pools)
iZiSwap function for Discretized Concentrated Liquidity Pools (Ref v2)

For more information, please refer to:

Swap function
Uniswap v2 Whitepaper: https://uniswap.org/whitepaper.pdf
StableSwap function
Curve StableSwap Whitepaper: https://curve.fi/files/stableswap-paper.pdf
StableSwap function for yield-bearing tokens (Rated pools)
Information
Type
Automated Market Maker
Blockchain
NEAR
Currency
REF
Platform
Windows, macOS
Publisher
Ref Finance Team
Version
v1.5.2
FAQ
Ref Finance is a DeFi marketplace for NEAR native tokens that leverages the power of NEAR's low fees, ultra-fast finality, and WebAssembly-based runtime. The platform allows users to trade tokens using its Automated Market Maker exchange, stake LP token into farms, and provide liquidity to the system.
First, make sure that you are connected to Ref Finance with your wallet.
...
How to farm?
Step 1: Click on Farms and choose a relevent pool. ...
Step 2: Click on Stake after adding liquidity. ...
Step 3: Enter the amount of LP tokens you want to stake. ...
Step 4: Stake.
Step 5: Approve the transaction (i.e. using NEAR wallet)
First, make sure that you are connected to Ref Finance with your wallet.
Step 1: Choose the pair you want to swap first, for example, wNEAR to nDAI.
Step 2: Check and adjust (if needed) your Transaction Settings.
Step 3: Enter the amount you want to swap.
Step 4: Click on Details, and verify the elements of the transaction.
How to stake?
Step 1: Click on xREF and select Stake.
Step 2: Enter the amount of REF tokens you want to stake.
Step 3: Stake.
Step 4: Approve the transaction (i.e. using NEAR wallet)
Go to CoinMarketCap and search for Ref Finance. Tap on the button labeled “Market” near the price chart. In this view, you will see a complete list of places you can purchase Ref Finance as well as the currencies you can use to obtain it.
Farming on Ref Finance launched on September 3rd, with six different farms launched.
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