Folio
No. 54BNB ChainEst. MMXXVI

A folio of stocks.
A dollar that pays you back.

V2 Β· The Compounding Update Hold $FOLIO β†’ up to 3Γ— on every yield. sfUSD to 18% Β· term locks to 50% Β· Season 1 airdrop 5% of supply Β· 30% of revenue buys back & burns $FOLIO. Enter β†’

Deposit tokenized equities, mint fUSD. Stake it. Hold $FOLIO and receive stock every fifteen minutes. Trade perps on the very stocks that back it.

Mint fUSDRead the mechanics
$FOLIO Β· BNB0x2c4e63ead1936ba1fe963fa3cb918a7b34de7777copy
Peg
$1.00
sfUSD APY
6 β†’ 18%
Term lock APY
12 β†’ 50%
Revenue burned
30%
Dividend cadence
15 min
Protocol folioβ€”
fUSD outstandingβ€”
Total backingβ€”
Backing ratioβ€”
Stock dividends paidβ€”
Next dividendβ€”
Perp open interestβ€”
$FOLIO buyback & burnβ€”
Term-locked fUSDβ€”
loading oracle…
The ledger

Four entries. One dollar.

01HoldStable dollars backed by tokenized equities, BNB and USDT. Redeemable 1:1 through the PSM.$1.00target peg 02StakesfUSD accretes protocol revenue β€” and your on-chain $FOLIO balance multiplies it: Bronze 1.5Γ— Β· Silver 2Γ— Β· Gold 2.5Γ— Β· Diamond 3Γ—.6–18%boosted apy 02bLockFixed-term fUSD locks β€” 30 / 90 / 180 / 365 days at 12 / 20 / 30 / 50% base, boosted by tier. Early exit burns 10%.up to 150%diamond Β· 365d 03BorrowIsolated vaults per stock. Tier-1 55/65, Tier-2 40/52, BNB 75/82, USDT 90/95.3.00%borrow apr 04TradePerpetuals on stocks and crypto, margined in fUSD, marked to Pyth.25Γ—max leverage
Mechanics

How the folio compounds.

  1. Deposit

    Approved stock tokens, BNB or USDT enter an isolated vault. Collateral stays on chain, visible, under tiered LTV and liquidation rules.

  2. Mint

    fUSD is issued to LTV. 0.10% origination, 3.00% stability fee accruing by the second. Health below 1.0 is bought by the stability pool at a 5% discount.

  3. Earn

    Every fee β€” origination, stability, perp taker, liquidation β€” lands in one revenue pot. sfUSD stakers draw on it first.

  4. Distribute

    At each quarter-hour, 40% of the pot buys a tokenized stock at oracle and is airdropped to $FOLIO holders; 30% deepens locked liquidity; 30% buys back and burns $FOLIO β€” rising to 60% when $FOLIO trades below its 7-day average. The protocol buys hardest when the chart is weakest.

  5. Boost

    Your real $FOLIO balance on BNB Chain sets a 1Γ— β†’ 3Γ— multiplier on sfUSD, term-lock yield and Season points. The more of the token you hold, the more every line pays.

  6. Season

    Season 1 (to 1 Nov 2026): every working dollar earns points every 3 seconds. Referrals pay 10% forever; streaks add up to +50%. 5% of $FOLIO supply is split pro-rata at season end.

  7. Trade

    fUSD is margin. Long or short NVDA, HOOD, SPY, BTC, BNB β€” up to 25Γ— β€” and every trade pays the next dividend.

Trade

Trade the same book.

Perpetuals on the stocks that back fUSD β€” margined in fUSD, marked to Pyth, funded hourly. Every fee pays the dividend.

FOLIO PERPS Β· isolated margin Β· fUSDopen interest β€”
MarketMarkΞ”ChartFunding/hLong OIShort OIMax lev
Long
Short
Market
NVDAβ€”
Margin
100.00fUSD
Leverage Β· 10Γ—
Notional1,000.00 fUSD
Est. liq. priceβ€”
Fee0.06%
Maintenance0.5%
Open a position β†’
Reserve

What stands behind fUSD.

Against the field

Compared to other stable dollars.

fUSDnUSDaUSDUSDC
Backed byStocks Β· BNB Β· USDTStocks Β· USDCStocks Β· BNB Β· USDTCash & T-bills
Staked yield6% β†’ 18% boosted6% targetβ€”β€”
Stability poolβœ“β€”βœ“β€”
Term locks12–50% base Β· to 150%β€”β€”β€”
Token buyback & burn30% of revenueβ€”β€”β€”
Points season / airdrop5% of supplyβ€”β€”β€”
Stock dividends to holdersevery 15 minβ€”β€”β€”
Perps margined in itβœ“ up to 25Γ—β€”β€”β€”
ChainBNBSolanaRobinhoodMany

† Lineage β€” Folio draws its collateral model from Nest (Solana), its tiered markets and stability pool from Arrow (Robinhood Chain), its 15-minute stock-dividend engine from The Index (Robinhood Chain), and adds perpetuals of its own.

Questions

Asked, answered.

What is fUSD?

A dollar minted against tokenized stocks, ETFs, BNB or USDT in isolated, overcollateralized vaults. Redeemable 1:1 for USDT through the PSM while reserves are idle.

Where does the yield come from?

sfUSD is funded by borrower stability fees (3% APR) first and the surplus buffer second, targeting 6%. The stability pool earns liquidated collateral at a 5% discount. Dividends come from every protocol fee.

How do the stock dividends work?

Every 15 minutes the revenue pot is split: 40% buys a tokenized stock (rotating NVDA β†’ AAPL β†’ GOOGL β†’ HOOD β†’ META β†’ SPY) at oracle price and is airdropped to $FOLIO holders pro-rata; 30% goes to locked FOLIO liquidity; 30% is allocated to $FOLIO buyback and burn, executed from the treasury at market.

What is the holder boost?

Your $FOLIO balance is read live on BNB Chain. Bronze (0.01% of supply) 1.5Γ—, Silver (0.1%) 2Γ—, Gold (0.5%) 2.5Γ—, Diamond (1%) 3Γ— β€” applied to sfUSD APY, term-lock APY and Season points.

What are term locks?

Fixed-term fUSD deposits: 30d 12%, 90d 20%, 180d 30%, 365d 50% base APY, multiplied by your tier. Yield accrues every 3 seconds; early exit burns 10% of principal.

What is Season 1?

A points program running to 1 November 2026. Staked, locked, pooled and borrowed dollars all earn points continuously; trades and dividends earn on top; referrals pay 10% forever; daily streaks add up to +50%. 5% of $FOLIO supply is split pro-rata at season end.

How do perps work?

Isolated positions margined in fUSD, marked to Pyth. Up to 25Γ— on BTC/ETH/BNB/SOL, 10Γ— on stocks and ETFs. 0.06% taker fee, 0.5% maintenance margin, hourly funding.

Which chain?

BNB Chain (EVM). Connect any EVM wallet.

Is this financial advice?

No. Overcollateralized lending and leveraged trading can lose money.