Part 1 Beginner Why long-term crypto holders borrow against assets instead of selling A strategic guide to liquidity management, capital preservation, and the real tradeoff between selling and borrowing crypto Open guide
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| Pair | |||||
|---|---|---|---|---|---|
| 1 | Rhea Finance | REF/WNEAR | $0.05 | $17 | 275 |
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Ref Finance is a decentralized finance (DeFi) platform built on the NEAR Protocol, known for its low transaction fees, rapid finality, and compatibility with Rust smart contracts. This platform aims to enhance the DeFi experience by offering efficient and precise trading opportunities on its automated market maker (AMM) decentralized exchange (DEX).
Ref Finance plays a crucial role in the NEAR ecosystem by facilitating liquidity and enabling swaps, supporting the use of stablecoins and other digital assets within this blockchain network. Its AMM DEX provides liquidity and swapping features, serving as a gateway into the NEAR ecosystem.
One of the key features of Ref Finance is its integration with the Rainbow Bridge, a trustless mechanism that connects Ethereum-based assets with the NEAR ecosystem. This bridge allows for a seamless transfer of assets between the two blockchains, expanding the possibilities for DeFi users by combining the strengths of both ecosystems. Users benefit from the Ethereum blockchain's extensive range of DeFi products and the NEAR Protocol's advantages, such as lower fees and faster transactions.
Ref Finance aims to make modern finance more inclusive and accessible by leveraging the capabilities of the NEAR Protocol and the interoperability provided by the Rainbow Bridge. The platform focuses on creating a user-friendly interface that supports a wide range of DeFi activities, from lending and borrowing to swapping and liquidity provision, underscoring its commitment to revolutionizing the DeFi space.
As with any investment in the cryptocurrency and DeFi sectors, individuals are encouraged to conduct thorough research and consider their financial situation and risk tolerance before engaging with platforms like Ref Finance.
As of May 13, 2026, Ref Finance trades at $0.047.
Ref Finance has a market capitalization of $4,472,004.32.
Ref Finance has a 24-hour trading volume of $77.03.
Ref Finance reached an all-time high of $46.75, recorded on Apr 22, 2024. It is currently 99.90% below its all-time high.
Ref Finance recorded an all-time low of $0.03, recorded on Feb 6, 2026. It is currently 56.83% above its all-time low.
Ref Finance has a total value locked of $26,072,642.
Ref Finance has a market cap to TVL ratio of 0.17x.