Folio
No. 54BNB ChainEst. MMXXVI

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

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
Peg
$1.00
sfUSD target
6.00%
Borrow APR
3.00%
Dividend cadence
15 min
Protocol folioβ€”
fUSD outstandingβ€”
Total backingβ€”
Backing ratioβ€”
Stock dividends paidβ€”
Next dividendβ€”
Perp open interestβ€”
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€” stability fees first, surplus buffer second.6.00%est. apy 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, half the pot buys a tokenized stock at oracle and is airdropped to $FOLIO holders; half deepens locked liquidity.

  5. 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% target6% targetβ€”β€”
Stability poolβœ“β€”βœ“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: 50% 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; 50% goes to locked FOLIO liquidity.

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.