Unique Value Proposition
RealFin differentiates itself through three key innovations:
Consensus Participation by Business Entities
Tokenization, risk scoring, and insurance companies stake $REAL tokens proportional to their on-chain activity.
Stakes are slashed for protocol violations or misreporting, aligning incentives without centralized intermediaries.
Embedded Asset Metadata and Risk Grading
On-chain tokens carry metadata on insurance coverage and PD scores, enabling granular asset classification.
Assets are issued in multiple colored tranches—unsecured, scored, or insured—allowing investors to choose risk-return profiles.
Grading scale (A–F) reflects insurance coverage and risk metrics.
On-Chain Disaster Recovery Mechanism
If an insurance provider defaults, asset token holders receive Network Debt Tokens (NDT) representing realized losses.
NDTs are redeemable monthly against the Disaster Recovery Fund (DRF) at a 1:1 ratio with $REAL tokens.
The DRF is funded by reallocating inflation rewards from business function validators, ensuring no net new inflation.
NDTs expire after two years to prevent perpetual debt obligations.
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