Frequently Asked Questions
about Multipli Fi

Multipli Fi is the world's first yield infrastructure platform, managing over $100M in assets and built to generate reliable yield from real-world assets (RWA) such as gold, stocks, and stablecoins.

The platform works by allowing users to deposit supported tokens — including USDC, USDT, and WBTC — which are then deployed into carefully curated real-world asset strategies. In return, users receive yield-bearing tokens (like xUSDC) that accrue value over time as underlying assets generate returns.

Multipli Fi aggregates institutional-grade yield strategies and makes them accessible to everyone through a simple, non-custodial interface on Ethereum, BNB Smart Chain, Avalanche, and Monad.

Getting started with Multipli Fi is straightforward. Follow these steps:

• Connect a compatible Web3 wallet (MetaMask, WalletConnect, and others are supported) at app.multipli-fi.pro.
• Select your preferred network — Ethereum Mainnet, BNB Smart Chain, Avalanche, or Monad.
• Choose the token you want to deposit (USDC, USDT, or WBTC).
• Enter the amount and confirm the transaction in your wallet.
• Receive yield-bearing tokens (e.g. xUSDC) which automatically accrue yield over time.

Yield is distributed on a weekly cycle. You can monitor your holdings, earned yield, and activity history directly on the Holdings page.

Multipli Fi currently supports the following blockchain networks:

• Ethereum Mainnet — the primary network for USDC, USDT, and WBTC deposits.
• BNB Smart Chain — for users who prefer lower gas fees.
• Avalanche — fast finality and low-cost transactions.
• Monad — a high-performance EVM-compatible network (newly supported, marked ✨).

You can switch between networks directly within the Multipli Fi app interface using the network selector on the main deposit screen.

APY on Multipli Fi varies by asset and strategy. As an example, current rates include:

• USDC / USDT — approximately 4.08% APY from stablecoin yield strategies.
• BTC (WBTC) — approximately 2.12% APY.
• Gold-backed tokens (PAXG, XAUT via rwaUSD) — up to 9.21% APY.
• Institutional assets (rwaUSDi) — up to 9.21% APY, available to KYB-verified entities.

Yield is generated by deploying deposited assets into institutional-grade real-world asset (RWA) strategies, including lending markets, tokenized commodities, and regulated financial instruments. All strategies are managed by vetted asset managers.

Yield is updated and distributed on a weekly basis. Rates are subject to market conditions and may change over time.

rwaUSD is Multipli Fi's retail-accessible real-world asset product. It is collateralised by tokenized gold (PAXG, XAUT) and other RWAs, offering users exposure to commodity-backed yield of up to 9.21% APY. rwaUSD is available to all eligible users on Multipli Fi.

rwaUSDi is the institutional counterpart — an isolated, compliance-gated asset class designed specifically for regulated capital flows. rwaUSDi assets (including MH3) can only move between fully KYB (Know Your Business) verified entities, ensuring full regulatory compliance for institutional participants.

Both products are accessible directly through the Multipli Fi application. To access rwaUSDi, institutions must complete the KYB verification process.

Multipli Fi is built with a strong emphasis on security and transparency. Key protections include:

• Non-custodial architecture — users retain control of their assets through smart contract interactions; Multipli Fi does not hold private keys.
• Smart contract audits — all core contracts have been independently audited. Audit reports are accessible via the Dashboard documentation section.
• Cryptographic proofs — on-chain cryptographic proofs are used to verify the state of the platform and the backing of assets.
• Vetted asset managers — all yield strategies are executed by vetted institutional asset managers subject to ongoing oversight.
• Deposit limits — buy volume limits are enforced to manage protocol-level risk exposure.

Additionally, Multipli Fi recommends users register an Ethereum address as a recovery mechanism in case of wallet loss. This step can be completed within the application.

Withdrawals (Sell) on Multipli Fi follow a defined liquidity cycle. The current standard liquidity period is 14 days, meaning that when you initiate a withdrawal, you can expect to receive your funds within approximately 14 days.

To withdraw:

• Navigate to the Sell tab on the main Multipli Fi interface.
• Select the yield-bearing token you wish to redeem (e.g. xUSDC).
• Enter the amount and confirm the withdrawal request.
• Your withdrawal will be processed within the standard liquidity window and the underlying asset returned to your wallet.

You can track the status of pending withdrawals in the Holdings section under the Activity tab. For institutional rwaUSDi products, specific withdrawal terms may apply based on the underlying asset manager's conditions.

ORBs (On-chain Reward Badges) are Multipli Fi's loyalty and rewards program. Users earn ORBs by depositing assets, holding yield-bearing tokens, and participating in community activities. ORBs represent accumulated engagement with the platform and may be redeemable for future rewards or benefits as the ecosystem grows.

Crystals are a secondary reward mechanism on Multipli Fi, earned through specific platform interactions such as early participation, referrals, and loyalty milestones. Crystals can be sold or redeemed within the platform and their value is tied to platform activity levels.

Both ORBs and Crystals can be viewed and managed on their dedicated pages within the Multipli Fi application. To maximise your rewards, stay active on the platform and participate in community campaigns.

Refer friends using your unique referral code to earn additional ORBs — find your referral link in the ORBs section of the Multipli Fi app.

Yes. Multipli Fi offers a dedicated institutional tier through the rwaUSDi product. This tier is designed for regulated capital flows and is accessible exclusively to KYB (Know Your Business) verified entities.

Institutional features on Multipli Fi include:

• Access to compliance-gated, isolated asset pools (rwaUSDi).
• Higher yield potential — currently up to 9.21% APY on qualifying assets.
• MH3 and other institutional-grade tokenized assets.
• Assets can only move between fully KYB-verified entities, ensuring regulatory compliance.
• Dedicated institutional onboarding process.

To access institutional features, navigate to the rwaUSDi section within the Multipli Fi application and complete the KYB verification process. For enterprise inquiries, reach out to the Multipli Fi team via the official Telegram or Discord channels.