To start using the Ref Finance protocol, you will need to create a NEAR Wallet software wallet (SW), which you can do on the official website. Then, we advise connecting your NEAR Wallet with the Ledger hardware wallet (HW) for the highest level of protection for the assets.

To start using the services provided by Ref Finance, you will need to send enough $NEAR to your NEAR Wallet. $NEAR will be used to pay NEAR Protocol fees and can also be exchanged for other cryptocurrencies on the Ref Finance platform. Make sure you always have enough $NEAR left in your wallet to pay the fees, because to use Ref Finance, you must always have more than 0.5 $NEAR.  When you have enough, new opportunities will open up in DeFi on Ref Finance, offering you the chance to provide liquidity, farm, stake, or swap individual cryptocurrencies.

You can also buy $NEAR from a centralized exchange (CEX) like Binance, then send it to your NEAR Wallet.

Check out the NEAR Wallet article for more details about the NEAR Wallet.

NEAR Wallet / MyNearWallet / Sender / NETH Account / Ledger

All contracts are on NEAR Protocol. The Ref Finance source code can be found on Github

For a list of accounts that have managed or are currently managing Ref Finance affairs, see Ref Finance docs.

Token address

$REF token: token.v2.ref-finance.near

If you need to search for another cryptocurrency (NEP-141) address on the NEAR Protocol, click this.

Trade: You can swap your cryptocurrency here. Ref Finance provides the following features: Swap, XSwap, and Limit Orders.

Pools: Your active LPs are shown in "Your Liquidity," where you can also add new LPs by choosing "+ Add Liquidity". Section "Pools" contains a list of ReFinance pools.

Farms: With the use of LP tokens, farms let you earn more rewards. From Farms, you earn rewards in REF tokens, some of which are available with additional rewards tokens.

xREF: By staking a REF token, you have the opportunity to earn protocol-generated fees. Each REF holder can share in the revenue earned by Ref Finance.

… : Displays the options in the expanded main menu. Here you will find bridges, Ref Finance docs, risks associated with using the platform, and Ref Finance airdrops.

Buy $NEAR: Purchase $NEAR by paying with a credit card. This feature is provided by Transak.

Connect Wallet: Connect a wallet supported on the Ref Finance platform. You have a choice of the wallets mentioned above. We are going to use the NEAR Wallet in this article.

Before we create an liquidity pool (LP), we need to know what tokens we want to use for it. An LP consists of 2 different cryptocurrencies, and a stablecoin pool on Ref Finance consists of 3 stablecoins.

To swap cryptocurrencies, select "Trade." You will then be shown the platform interface on which you can swap cryptocurrencies.

If you can't find the NEP-141 token you want on the list, you can find its contract address at the site and copy it to the search bar as shown in the image.

Once you have cryptocurrencies ready for composing LPs, proceed to "Pools", where you will find the list of liquidity pools. Then, in "Your Liquidity," the active LPs are also displayed. You can add liquidity by clicking "+ Add Liquidity".

We can put the created LPs into the farm, for which we will earn additional rewards in $REF and other rewards tokens.

For information on the specific strategies we use on Ref Finance, please see Ref Finance - Opportunities & Risks.

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