FAQ
Frequently Asked Questions.
Quick answers to the questions that come up most often. For deeper detail, follow the links into the relevant docs sections.
Rheofi Protocol is a decentralized lending and borrowing protocol built on the XRPL Sidechain. Launched in 2025, Rheofi delivers a modular, capital-efficient money market by combining isolated liquidity pools, resilient oracle pricing, and fine-grained permission control. The XRPL Sidechain provides fast finality, low fees, and full EVM compatibility.
Supply
Supply supported assets to a pool to start earning interest.
Borrow
Use supplied assets as collateral to borrow other assets within the same pool.
Offset
Interest earned from supplying offsets borrowing costs. Each pool has its own risk profile — pick the one that fits.
Your funds are held in audited, open-source smart contracts on the XRPL Sidechain. They are publicly verifiable and protected by permissioned administration plus timelocks. When you supply assets you receive interest-bearing RTokens that represent your position — transferable, redeemable for the underlying at any time (subject to liquidity).
All transactions incur XRPL Sidechain gas fees, which are typically low and predictable compared to most Layer 1 networks. Costs depend on network usage and transaction complexity but are optimized for efficiency.
No DeFi protocol is risk-free. Risks include smart contract bugs, oracle pricing errors, and liquidation during volatile market conditions. Rheofi mitigates these through isolated pools, resilient oracle aggregation, conservative parameterization, and formal audits — but residual risk always remains.
Risk Management
Containment-first design: isolated pools, configurable parameters, and per-market risk so failures stay localized.
Protocol Administration
Timelocks plus permission-based access control (Access Control Manager) keep admin actions transparent and auditable.
User Experience
Risk logic stays behind the interface. Users supply, borrow, and manage with minimal friction on the XRPL Sidechain.
It aggregates price data from multiple sources and validates each update before use. This reduces dependency on any single oracle and protects against manipulation or data outages. Sources can be enabled or disabled per asset to adapt as markets evolve.
Independent lending environments with their own assets, risk parameters, and configurations. Each pool is sandboxed — adverse events in one pool don't affect others. Enables safer onboarding, flexible experimentation, and precise risk control for users and admins alike.
Each Rheofi pool maintains a Risk Fund that accumulates a portion of protocol revenue. The fund absorbs bad debt and reduces the chance of insolvency during extreme market conditions, strengthening overall protocol resilience.