# USDFI - Decentralized Stablecoin & DeFi Banking Protocol

> USDFI is crypto's Universal Banking Protocol and DeFi's multichain native banking layer: a decentralized stablecoin combined with lending, liquidity pools, swaps and yield aggregation in one seamless digital economy.

## What is USDFI

USDFI is a decentralized finance (DeFi) protocol built around two tokens: USDFI (the stablecoin) and STABLE (the protocol token). The protocol unites several DeFi primitives in one platform:

- Stablecoin: decentralized, backed by protocol revenue
- Liquidity pools: users provide liquidity and earn competitive yields with real-time earnings
- Money Legos: composable yield strategies that combine staking and farming positions
- Governance: lock tokens (veTOKENS) to vote on emissions and earn bribes and protocol fees
- Swap: cross-chain crypto swaps aggregated via LI.FI, Rango and KyberSwap
- Bridge: cross-chain asset transfers
- Affiliate program: on-chain referrals with fixed, smart contract secured commissions

The main app runs on BNB Smart Chain (BSC) with multichain swap and bridge support. The protocol is non-custodial: users keep control of their assets in their own wallets (MetaMask, Rabby, WalletConnect and others).

## Security

Smart contracts are publicly audited by ChainSecurity, SolidProof and CertiK. Audit reports are available in the documentation.

## Pages

- [Home](https://usdfi.com/): Protocol overview
- [Pools](https://usdfi.com/pools): Provide liquidity and earn yield
- [Money Legos](https://usdfi.com/money-legosV2): Composable DeFi yield strategies
- [Vote](https://usdfi.com/vote): Governance, emissions voting, bribes and fees
- [Swap](https://usdfi.com/swap): Cross-chain swaps via LI.FI
- [Swap via Rango](https://usdfi.com/swapv2): Multichain swaps via Rango
- [Swap via KyberSwap](https://usdfi.com/swapv3): Token swaps via KyberSwap
- [Bridge](https://usdfi.com/bridge): Cross-chain asset transfers
- [Liquidity](https://usdfi.com/liquidity): Add and manage liquidity positions
- [Affiliate](https://usdfi.com/affiliate): Blockchain-powered affiliate program
- [Academy](https://usdfi.com/academy): Video tutorials on DeFi and USDFI features (English and German)

## Ecosystem

- [Documentation](https://docs.usdfi.com/): Working paper, contracts and security audits
- [Lending](https://lending.usdfi.com/): USDFI lending market
- [Perpetuals](https://perpetuals.usdfi.com/): USDFI perpetuals trading

## Community

- [Twitter/X](https://twitter.com/stable_usdfi)
- [Telegram](https://t.me/USDFI)
- [Discord](https://discord.gg/MjvpF8UwB4)
- [Medium](https://medium.com/@usdfi)
- [Instagram](https://instagram.com/stable.usdfi/)