RealFi Says Its Stablecoin Yield Tops 12% as Ethereum Launch Nears

RealFi launched on Cardano mainnet on October 1, and its chief business officer described the rollout as technically clean: swaps and staking were working, with no incidents or pauses reported. The public testnet had attracted more than 3,000 verified wallets. The company’s next major milestone was an Ethereum mainnet launch planned for the following month, with Jenny identifying successful deployment and growth in total value locked as immediate priorities.

RealFi’s USD RF is described as a dollar-pegged liquid stablecoin that gives holders access, through staking, to a yield-bearing portfolio of private credit and liquid assets. The portfolio can include Treasury bills, money-market funds, and AAA-rated CLO ETFs. RealFi distributes yield weekly. At the time discussed, Jenny put the annualized yield at 12%, while the chief business officer said it had been above 12% the previous day; these were reported current rates, not a fixed figure.

The company said its private-credit and direct fintech lending opportunities return about 15–16% on tenors of six to twelve months, and that it has operated in the space for more than three years. The chief business officer attributed part of the current yield to initial institutional capital being committed for at least 12 months. If retail inflows grow, some capital would move into more liquid assets, changing the portfolio mix. The discussion therefore linked the reported yield to both the underlying lending opportunities and the composition and liquidity of assets held.

RealFi’s stated aim is to combine a usable dollar for DeFi with durable yield, a pairing its chief business officer said competing products often lack. On Cardano, users can access leverage looping through lending-market partner Liqwid, and RealFi has also announced an integration with Strike Finance. The planned Ethereum launch is intended to extend the product to a network the chief business officer described as having more established liquidity and greater institutional familiarity with advanced real-world-asset yield strategies.

For family offices and institutions seeking controlled leverage, Jenny said RealFi is working with curators and DeFi strategists on dedicated vault strategies. Planned safeguards include prearranged liquidations, straightforward position unwinds, and leverage caps calibrated to redemption windows. The product has a seven-day pull-down period, a condition relevant to how quickly users can access funds. The approach is intended to offer leveraged strategies while accounting for the time required to meet redemptions.

Jenny framed on-chain real-world assets and borrower-backed yield as an institutional opportunity, citing risk-adjusted returns and liquidity that may be difficult to find in public markets. She also said the yield may not move in line with crypto-market fluctuations or sentiment. The episode’s central trade-off is that USD RF seeks to offer both DeFi usability and exposure to yield-producing assets, while portfolio liquidity, redemption timing, and the mix of institutional and retail capital shape how that proposition works.