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Invest in the Future of Finance

Join Ratio Finance in its mission to De-risk DeFi by participating in its token offering on Republic

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For Accredited Investors as Defined under the Securities Act
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De-Risking DeFi

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De-Risking DeFi for All

OUR Offering

Making DeFi Simple

Ratio Risk Ratings

Real-time quantitative and qualitative credit risk assessments akin to Moody’s & Fitch guide optimally informed investment choices.

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Self-Paying Loans

Deposit yield-bearing stable collateral into Ratio Finance to take out a “USDr” loan. Use the yield from your deposits to pay back your debt. Works like magic.

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Minimal Fees 

Superior risk analytics provide mutual confidence in your investments.
We require no stability fees, no deposit fees, and zero interest rates. We take only a 0.5% loan origination fee and a small percentage of the acquired yield on deposited assets. 

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CONTENT SECTION

Creative and Technology Partner for Growing Brands

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CONTENT SECTION

Creative and Technology Partner for Growing Brands

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PROCESS

How Does it Work?

Using Ratio Finance is simple. Our Risk Rating Algorithms help you get maximum leverage against your deposited collateral, without sacrificing the yield of your deposited LP. 

GitBook
1
Deposit

Deposit stablecoin LP from your favourite Solana AMM into Ratio Finance.  

2
Choose

Ratio Risk Ratings denote real-time quantified risk assessment towards stable LP pairs, providing the opportunity for highly innovative informed investment choices.

3
Mint

Borrow USDr against your collateral while still collecting yield on your deposits.

4
Repeat

Use your yield to pay back your debt or to borrow more USDr. 

Roadmap

What's Next?

Q2 2021
Company Was Established

Founded and funding completed with initial Seed capital raised from investors including Alameda Research, CMS, and Solana Labs.

Read the Article
Q3 2021
Team Onboarding

High level PhD graduates & multiple former Big 4 employees comprise a fast-expanding global, elite team dedicated to the Future of Open Finance.

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Q4 2021
Platform Development

The initial iteration of the Ratio Finance protocol was deployed on test-net, allowing user feedback and internal testing to be conducted. New partners such as Republic Capital, Circle Ventures, and TPS Capital joined the Ratio family.

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Q1/2 2022
Public Launch of Ratio Finance

Having successfully completed extensive audits, Ratio Finance met with tremendous expansion upon launch. The Ratio Risk Rating system imbues risk-adjusted liquidity with the central mission of De-risking DeFi.  

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2022
Partner Integrations

Partner protocols and institutions integrate Ratio Risk Rating enterprise within their own platforms, allowing for unmatched expansion in our mission to De-Risk DeFi.

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Medium Articles

Our Latest News & Updates

MARKETING

Why will webflow dominate the web in 2020.

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DESIGN

How to craft a perfect marketing campaign.

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BUSINESS

Learn how to get started with webflow interactions.

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Investors

Proudly Backed by the Best

WhitepaperFAQ
Audited by:
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Ratio Finance is De-Risking DeFi by performing cutting-edge risk assessment on collateral being used in its lending system

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Buy $RATIO

Revolutionizing Banking for

Mint USDr using LP as collateral, all while collecting yield.

Get Started

How it works

Unlock the power of your Solana liquidity

Deposit LP

Use your LP as collateral to mint USDr by depositing into a Ratio Vault.

We redeploy your LP into yield farms so you don't miss out on yield farming gains while your LP is locked. Ratio uses advanced financial principles of modern portfolio theory in order to vet which LPs are safest to use as collateral.

Mint USDr

Automagical debt repayment for collateralized debt positions.

USDr is a soft-pegged USD stable coin that represents a collateralized debt position (CDP). USDr is a highly liquid form of leverage that can be used to pay off loans, make investments, or to pay off debt for a Ratio Vault. You can use your earnings from yield farming in order to pay back your USDr debt.

Earn yield

Multiple yield-streams will be made available through USDr.

Collect the yield from your redeployed LP, earn RATIO governance coins through supplying USDr-USDC LP, and easily deposit USDr into stable-swaps/vaults/funds. Ratio Finance makes it easy to maximize your yield while protecting yourself from downside risk.

Track Gains

Easily visualize your risk and rewards.

Visualize your earnings and opportunity cost within the Ratio Vault that you minted USDr from. See how close you are to liquidation, pay off your USDr debt, or top up your balance. Ratio Finance makes it easy for anybody to get sophisticated insights into the health of their collateralized debt positions.

Step 5

Effortless Liquidation

No auctions.

In the first iteration of Ratio Finance, liquidation will be handled automatically via the protocol. As the network becomes more decentralized through the dissemination of RATIO governance tokens, new liquidation logic and opportunities may be proposed by the RATIO community.

Core Features

Three distinct advantages to traditional asset management.
Maximized Yield
Community-owned overcollateralized asset management with high yield and instant withdrawals.
Vetted
The wallets of Ratio Fund creators are vetted on-chain to confirm Profit and Loss.
Automagical borrowing
Borrow RatioUSD against your deposited collateral. The interest from your deposits pays off your loan.

What are Ratio Funds?

Ratio Funds (RFs) are user created Vaults that allow depositors to earn high yield on their assets. Depositors in RFs can partially determine the yield rates that they want for their funds by negotiating with RF creators. RF creators can use deposited funds any way that they like as long as they achieve the agreed upon minimum return.
Join List

High-yield, low-risk.

The Ratio Protocol only interacts with stable coins, protecting users from volatility. All funds deposited are backed 1:1 by RF creators and the Ratio Protocol itself. Decentralized insurance protects users' funds in the case of a breach. Withdraw at any time and enjoy your unprecedented returns.
Join List

How Does Ratio Work?

Community-owned, decentralized banking made easy.
Launch the App
‍
Log into the Ratio Web App with your Web3 wallet of choice.
Deposit Stable Coins
Deposit stable coins into an RF of your choice to begin generating return.
Earn High Yields
‍
Through the RATIO token, RF creators are incentivized provide high ROI for their depositors.

More Features

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Friendly interface
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Powerful Options
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Simple setup
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easily managable
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Powerful codes
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clean design
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Join the Movement Today

Begin your journey into decentralized asset management and high yield opportunities.

Roadmap

Follow our journey

Phase 01
Q2 2021

Starting

-Founded
-Development of risk methodology

Launching

-Onboarded a world-class team
-R&D, development of test-net.

Phase 02
q3 2021
Phase 03
q4 2021

Accelerating

-Partnerships with major institutions
-Release of test-net
-Integrating feedback and building main-net functionalities

Improving

-Main-net release
-Code Audit

Phase 04
Q1 2022
Phase 05
Q2 2022

Going Global

-Partnerships and integrations
-Development of new features
-Integrate new forms of collateral

Open Finance

-Education for institutions
-Begin onboarding TradFi into Defi

Phase 06
Q3/4 2022

The Ratio Token ($RATIO)

Gain early access to $RATIO by becoming a Whitelist Investor via Republic Crypto.

Regulation-D Offering

For US-Based Accredited Investors

Regulation-S Offering

For Non-US-Based Persons