# RHEA Finance

> Chain abstracted liquidity solution

RHEA Finance lets users trade, lend, borrow, and stake digital assets across multiple blockchain networks from a unified platform built on NEAR Protocol.

RHEA Finance aggregates liquidity across blockchain networks including Bitcoin, Ethereum, and NEAR, supporting concentrated liquidity pools, smart order routing, over-collateralized lending, margin trading, and cross-chain bridging. Users can supply assets to earn interest, borrow against collateral, provide liquidity for trading fees, and stake tokens for yield rewards. RHEA Finance is the rebrand of Ref Finance and Burrow Finance, formerly the primary DEX and lending protocols on NEAR Protocol.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2021-03-09
- Profile: https://thegrid.id/profiles/rhea_finance

## Products

- [RHEA Finance](https://thegrid.id/profiles/rhea_finance): RHEA Finance is a multi-chain decentralized trading and lending protocol on NEAR Protocol, providing AMM-based token swaps across standard, stable, degen, and concentrated liquidity pools. The platform combines a DEX with over-collateralized lending markets, margin trading up to 3x leverage, liquid staking tokens (rNEAR and xRHEA), and an aggregated cross-chain bridge. Smart order routing optimizes trade execution across pools, while LP tokens serve as collateral in lending, enabling integrated DeFi workflows across NEAR and connected EVM chains. (Decentralised Exchange, Live, Main Product)

## Assets

- [RHEA (RHEA)](https://thegrid.id/profiles/rhea_finance): RHEA is the governance token of RHEA Finance. It is used for staking to earn protocol revenue, liquidity provision, and as the primary conversion target for oRHEA incentives across the ecosystem. The token unified two predecessor tokens, REF and BRRR, into a single asset that captures value from lending, trading, and treasury flows through a three-token structure alongside xRHEA and oRHEA. (Governance)
- [xRHEA (XRHEA)](https://thegrid.id/profiles/rhea_finance): xRHEA is a liquid staking token representing staked RHEA on RHEA Finance. It is used as gas within the RHEA ecosystem, as collateral in lending markets, and to boost yield multipliers on farming positions. Holding and spending xRHEA builds on-chain reputation, which determines a user's conversion rate when redeeming oRHEA incentives for RHEA. (Liquid Staking Tokens (LSTs))
- [oRHEA (ORHEA)](https://thegrid.id/profiles/rhea_finance): oRHEA is the incentive token of RHEA Finance. It is earned through farming, lending, and other protocol activities, then convertible to RHEA at a rate determined by a user's on-chain reputation score. The non-transferable design replaces traditional APY-based rewards, ensuring incentives flow to active, long-term protocol participants rather than passive token holders. (Digital Reward Assets)
- [rNEAR (RNEAR)](https://thegrid.id/profiles/rhea_finance): rNEAR is a liquid staking token representing staked NEAR on RHEA Finance. It is used to earn staking rewards on NEAR Protocol while maintaining liquidity for DeFi activities across the RHEA ecosystem. Users receive rNEAR by depositing NEAR into RHEA's liquid staking protocol, with rNEAR accruing validator staking yield over time. (Liquid Staking Tokens (LSTs))

## Links

- [Main](https://rhea.finance)
- [Documentation](https://guide.rhea.finance)
- [Whitepaper](https://guide.rhea.finance/docs/rhea-finance-white-paper)
- [Twitter / X](https://x.com/rhea_finance)
- [Discord](https://discord.gg/rheafinance)
- [Telegram](https://t.me/rhea_finance)
- [Medium](https://medium.com/rhea-finance)
- [GitHub](https://github.com/ref-finance)

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP