> For the complete documentation index, see [llms.txt](https://ref-finance.gitbook.io/ref-finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ref-finance.gitbook.io/ref-finance/undefined.md).

# Home

The project is currently in the testing phases.

Welcome to Ref Finance documentation site.

## What is Ref Finance?

**Ref Finance** is a collection of DeFi protocols powered by smart contracts on [NEAR Protocol](https://near.org) that enable trading, earning by providing liquidity and other financial use cases in the future.

Highlights:

* Permission-less AMM pools for any NEAR's Fungible Tokens.
* Trading across multiple pools in one transaction.
* *1bps* referral fee on trading to pay the UI.
* **Coming:** *4bps* exchange fee to split between $REF token holders.
* **Coming v2:** constant weighted product AMM pool type.
* **Coming v3:** combining AMM with an order book via limit orders.
* **Coming v4:** lend / borrow.
* **Coming in the distant future:** internal balances privacy: hide the balance of each user, removing ability to link two trades to the same user.

## Deployments

| Network | Account Id                                                                            |
| ------- | ------------------------------------------------------------------------------------- |
| MainNet | [ref-finance.near](https://explorer.near.org/accounts/ref-finance.near)               |
| TestNet | [ref-finance.testnet](https://explorer.testnet.near.org/accounts/ref-finance.testnet) |

## Learn More

* [Usage from CLI](/ref-finance/usage/cli-usage.md)
* Read the [smart contract architecture](/ref-finance/smart-contracts/architecture.md)

## Community

* [Telegram](https://t.me/ref_finance)
* [Twitter](https://twitter.com/finance_ref)