DeFi Made Easy

The gateway to DeFi through Liquidity and Protocol Aggregation,
Proprietary Analytics, and Multi-Chain Accessibility

Powered by

Reef is now on:



Reef gets liquidity from everywhere - both CEXs and DEXs

Why Reef

Liquidity Problem

- CEXs - isolated silos and prone to hacks

- DEXs - unstable liquidity, slow and hard to use due to Ethereum's network

- No integrations with the DeFi ecosystem

Yield Problem

- High technical barrier of entry

- Impossible to keep up with the best strategies

- Expensive gas fees

Fragmentation Problem

- DeFi activities are fragmented and painful experiences

- Increased complexities

Powered by Polkadot

Reef.Finance is secured under Polkadot's shared security model, ensuring high resilience and forkless upgradability.

A decentralized network governed entirely by Reef Token holders via DAO to achieve a transparent future: a future based on more truth and less trust.

REEF Roadmap

Live roadmap


DeFi is short for “decentralized finance”, an umbrella term for a variety of financial applications in cryptocurrency or blockchain geared toward disrupting financial intermediaries.
Reef is a smart liquidity aggregator and yield engine that enables trading with access to liquidity from both CEXs and DEXs while offering smart lending, borrowing, staking, mining through AI driven personalized Reef Yield Engine.

Governance: vote on different proposals such as releasing new features and re-adjusting certain parameters in the system

Protocol fees: pay fees for operations such as entering/exiting a the basket, reallocation, rebalancing and other activities

Staking: stake into various pools to earn interests with preferred APR;

Yield Distribution: choose the payout ratio of the profit generated by the activities in your basket

Polkadot’s interoperability layer allows us to communicate with all the blockchains and still achieve high throughput. Additionally, we inherit their security model, which means we get to be highly resilient, can do forkless upgrades while still being able to maintain stable on-chain governance. We are fully compatible with Ethereum and the current DeFi ecosystem, but we believe in order to innovate and take the landscape to the next level, we have to take it multi-chain, and through Polkadot we are able to achieve that.
Besides this, Polkadot’s parachain communication (XCMP) and bridging mechanism, combined with the possibility to run solidity code on parachains such as Plasm and Moonbeam, use native Ethereum addresses and huge ecosystem support (Web3, Parity) were the reasons why we chose to build on Polkadot. Reef being multi-chain gives us flexibility, which means we are able to shift our product and features based on where the users are and what the users want/need in the future.
The APY generated by the Reef pool comes from the income streams generated by the Reef's ecosystem. Reef currently has 3 income streams: Basket engine, protocol fees and interest paid by power users who borrow tokens from the Reef pool in order to increase their voting power. All the 3 income streams are currently flowing in the Reef pool. In the future, through voting, we plan to introduce Reef Treasury which will be the recipient of the income streams, and the DAO can further decide how to allocate the funds (eg: grants, buybacks, etc.)
Besides the APY from the Reef Pool, the users will earn yields generated by the smart yield farming engine which gives them exposure to different DeFi activities and tokens from multiple ecosystems.

Our blog

Reef Origin Story

When a new industry moves fast it is to some degree expected to be fragmented. This means that if you want to do a certain thing which has to cover multiple aspects, you have to connect the dots yourself.

September 4, 2020

Reef Finance Yield Engine: Multi-Chain Solution to Maximize DeFi Yield

One of the major components of Reef protocol is the machine learning and AI powered DeFi yield engine. For most DeFi users...

September 17, 2020

Polkadot’s DeFi Prowess Grows With Reef Finance $3.9M Raise

Reef Finance has closed a $3.9M seed funding round for its multi-chain suite of DeFi services built on Polkadot, the company announced Wednesday.

October 15, 2020


Contact Us

Don’t miss out, Be the first to know