Deposit tokenized equities, mint fUSD. Stake it. Hold $FOLIO and receive stock every fifteen minutes. Trade perps on the very stocks that back it.
Approved stock tokens, ETH or USDG enter an isolated vault. Collateral stays on chain, visible, under tiered LTV and liquidation rules.
fUSD is issued to LTV. 0.10% origination, 3.00% stability fee accruing by the second. Health below 1.0 is bought by the stability pool at a 5% discount.
Every fee β origination, stability, perp taker, liquidation β lands in one revenue pot. sfUSD stakers draw on it first.
At each quarter-hour, 40% of the pot buys a tokenized stock at oracle and is airdropped to $FOLIO holders; 30% deepens locked liquidity; 30% buys back and burns $FOLIO β rising to 60% when $FOLIO trades below its 7-day average. The protocol buys hardest when the chart is weakest.
Your real $FOLIO balance on Robinhood Chain sets a 1Γ β 3Γ multiplier on sfUSD, term-lock yield and Season points. The more of the token you hold, the more every line pays.
Season 1 (to 1 Nov 2026): every working dollar earns points every 3 seconds. Referrals pay 10% forever; streaks add up to +50%. 5% of $FOLIO supply is split pro-rata at season end.
fUSD is margin. Long or short NVDA, HOOD, SPY, BTC, ETH β up to 25Γ β and every trade pays the next dividend.
Perpetuals on the stocks that back fUSD β margined in fUSD, marked to the exchange tape, funded hourly. Every fee pays the dividend.
| Market | Mark | Ξ | Chart | Funding/h | Long OI | Short OI | Max lev |
|---|
| fUSD | nUSD | aUSD | USDC | |
|---|---|---|---|---|
| Backed by | Stocks Β· ETH Β· USDG | Stocks Β· USDC | Stocks Β· ETH Β· USDG | Cash & T-bills |
| Staked yield | 6% β 18% boosted | 6% target | β | β |
| Stability pool | β | β | β | β |
| Term locks | 12β50% base Β· to 150% | β | β | β |
| Token buyback & burn | 30% of revenue | β | β | β |
| Points season / airdrop | 5% of supply | β | β | β |
| Stock dividends to holders | every 15 min | β | β | β |
| Perps margined in it | β up to 25Γ | β | β | β |
| Chain | Robinhood | Solana | Robinhood | Many |
β Lineage β Folio draws its collateral model from Nest (Solana), its tiered markets and stability pool from Arrow (Robinhood Chain), its 15-minute stock-dividend engine from The Index (Robinhood Chain), and adds perpetuals of its own.
A dollar minted against tokenized stocks, ETFs, ETH or USDG in isolated, overcollateralized vaults. Redeemable 1:1 for USDG through the PSM while reserves are idle.
sfUSD is funded by borrower stability fees (3% APR) first and the surplus buffer second, targeting 6%. The stability pool earns liquidated collateral at a 5% discount. Dividends come from every protocol fee.
Every 15 minutes the revenue pot is split: 40% buys a tokenized stock (rotating NVDA β AAPL β GOOGL β HOOD β META β SPY) at oracle price and is airdropped to $FOLIO holders pro-rata; 30% goes to locked FOLIO liquidity; 30% is allocated to $FOLIO buyback and burn, executed from the treasury at market.
Your $FOLIO balance is read live on Robinhood Chain. Bronze (0.01% of supply) 1.5Γ, Silver (0.1%) 2Γ, Gold (0.5%) 2.5Γ, Diamond (1%) 3Γ β applied to sfUSD APY, term-lock APY and Season points.
Fixed-term fUSD deposits: 30d 12%, 90d 20%, 180d 30%, 365d 50% base APY, multiplied by your tier. Yield accrues every 3 seconds; early exit burns 10% of principal.
A points program running to 1 November 2026. Staked, locked, pooled and borrowed dollars all earn points continuously; trades and dividends earn on top; referrals pay 10% forever; daily streaks add up to +50%. 5% of $FOLIO supply is split pro-rata at season end.
Isolated positions margined in fUSD, marked to the exchange tape. Up to 25Γ on BTC/ETH/SOL, 10Γ on stocks and ETFs. 0.06% taker fee, 0.5% maintenance margin, hourly funding.
Robinhood Chain (EVM, chain id 4663). Connect any EVM wallet.
No. Overcollateralized lending and leveraged trading can lose money.