RealFi Guide: Voyager Tasks, USDrf Staking and Costs

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This RealFi guide covers six types of Voyager Season points activities: USDCx/USDrf conversion, sUSDrf staking, SundaeSwap LPs and Liqwid lending and borrowing. Screenshots from 2026-10-02 explain budgets, fees and checks. The completion path for the first-acquisition reward through Lace remains unverified; this guide does not guarantee airdrop eligibility.

> This is not an automation tutorial. A real person must take part in every step from start to finish. You set the amount for every transaction and confirm and sign it yourself, in your own wallet. This tutorial was compiled from operation logs and screenshots supplied by the user. AI helped write the walkthrough and cross-check it. You enter the password yourself, and you decide the amounts, confirmations and signatures. RealFi's terms prohibit farming points with bots, scripts or multiple wallets. Do not use multiple wallets to get around participation limits or to farm points. > Risk disclosure: This article involves depositing real funds into DeFi protocols and borrowing. You could lose money through smart contract risk, liquidation, price deviation, fees or operational mistakes. Readers bear all amounts and risks themselves, and the author accepts no liability. This article does not constitute investment advice. > Data comes from mainnet testing on 2026-10-02 (ADA ≈ US$0.25). Thresholds, multipliers and fees may change at any time. Always check the official pages.

1. Bottom Line: How Many U to Prepare for Each Stage

In the table below, "U" is an estimated budget in US dollars. It does not mean each sUSDrf is fixed at 1 US dollar. Convert to token quantities using the current exchange rate and collateral valuation. "ADA fees" means extra pure ADA you keep in reserve. The thresholds and fees below are what the interface showed for the specific markets used this time. They are not rules for every market, and they are not a guaranteed budget for completing every item.

Stage 0 is token-swap preparation and does not earn points. Each USDCx→USDrf conversion on RealFi costs about another 1.47 ADA (observed this time) plus a 2 ADA refundable deposit. These costs are not included in the ~13.7 ADA in the table above. When and under what conditions deposits are refunded depends on the individual transaction.

Each ADA-to-U swap also costs about 3 ADA in processing fees, and a separate 2 ADA deposit is refunded. Budget in U: completing everything takes about 161 U, plus ADA for fees and deposits. Convert the U amount to ADA with your wallet's live swap quote at the time (see the worked example at the end), not a fixed rate. This is not a minimum or a guarantee for completing every item. On a limited budget, the suggested priority is: 1 (50x) → 2 (30x) → 3 (one-time) → 4 → 5 → 6.

How to decide whether to move to the next stage: Continue only when your wallet holds ≥ 10 pure ADA and the U needed for the next stage has arrived (as shown by a block explorer or your wallet).

2. Before You Start: Anti-Phishing and Verification Checklist

Use only the official URLs below. Open them from bookmarks or the wallet's built-in entry points. Do not click links from social media DMs or ads:

Before every signature, manually check three things:

1. Source URL: Requests initiated by a website must match the corresponding official domain. For the wallet's built-in Swap/Staking, check that the extension comes from the official source. The Chrome Web Store URL is not the signing Origin. 2. Policy ID: Many tokens share the same name. In testing, the "USDR" in Lace's swap list was a token from a different project, with a 3.5x price difference.

• USDCx: 1f3aec8bfe7ea4fe14c5f121e2a92e301afe414147860d557cac7e34
• USDrf / sUSDrf: 7d9e4a0ee1a3f5d5ff8159ea91a83310cf2795ee7a87170c7aea05ae

3. Amounts sent and received: The wallet preview must match the website's quote. Cancel if the fees look abnormal.

You never need to give your seed phrase to a website, customer support or AI. Enter your password only in your own wallet.

3. Steps for Each Stage

Stage 0: Swap ADA for USDCx

In the wallet's built-in Swap, choose ADA → USDCx. Check the policy ID and the quote, then sign. The batch processing fee is about 3 ADA, plus a 2 ADA deposit that is refunded.

Stage 1 Prerequisite: Convert USDCx to USDrf (RealFi)

Go to app.realfi.co → Get USDrf, where 1 USDCx = 1 USDrf. The processing fee is about 1.47 ADA, plus a 2 ADA deposit that is refunded. Minimum is 1 U.

Stage 1: SundaeSwap LP USDrf / USDCx (50x) | Suggested 15 U

app.sundae.fi → Liquidity → USDCx-USDRF (V4) → Add. The page pairs the two amounts automatically based on the pool ratio, so you need to hold both USDrf and USDCx.

Stage 2: Liqwid Deposit USDCx (30x) | Minimum 30 U

app.liqwid.finance → RealFi Hub → Supply/Borrow → sUSDrf-USDCx under RealFi Market → Supply. Minimum 30 USDCx. An isolated-market risk warning will pop up. Read it before deciding whether to continue.

Stage 3: First Acquisition of USDrf via Lace (10x one-time) | Completion path pending confirmation

The screenshots from this session only show the staking screen and history. They have not independently confirmed that this operation earned the first-acquisition reward. The 8 U is a tutorial test allocation and cannot be used to claim this item was completed. What follows is a process you need to verify, not a verified step-by-step completion record.

Here you need to tell "acquiring" and "staking" apart. The official task name still uses USDr, while the product currently displays USDrf. Verify against the policy IDs listed in this article and the on-chain asset names USDr/sUSDr. Tokens with the same name are not interchangeable.

1. Acquisition step: USDCx → USDrf. Go from Lace → Staking Center → USDrf Staking → Manage Stake into the official integration. Check whether it offers a flow for acquiring USDrf with USDCx for the first time, and verify the USDCx input, the USDrf output and the policy ID. The official one-time item refers to this first acquisition. If the only option is "stake existing USDrf," it does not count as the acquisition flow, so skip the one-time item for now. 2. Staking step: USDrf → sUSDrf. After acquiring USDrf, stake it into sUSDrf at the quote shown on the official Staking screen. If the interface combines acquisition and staking into one transaction, confirm that the preview includes both conversions and that you end up receiving sUSDrf. The final amount depends on the exchange rate and fees and may not equal the USDCx you put in. 3. Verify the result. sUSDrf appearing in your wallet only proves you received that asset. Whether the one-time item is complete still depends on the status RealFi shows. You cannot declare it complete based on your staking history. The unstaking cooldown this time was 7 days.

Stage 4: SundaeSwap LP USDrf / sUSDrf (15x) | Suggested 11 U

First get your USDrf (Stage 1 prerequisite) and sUSDrf ready. sUSDrf comes from the Stage 3 staking step. You can also convert USDrf to sUSDrf directly with RealFi's official Stake, but that does not replace Lace's first-acquisition item. Then go to Liquidity → USDRF-SUSDRF (V4 Stableswap) → Add.

Stage 5: Liqwid Deposit USDrf as Collateral (10x) | Minimum 30 U

Liqwid → RealFi Hub → USDrf under Core Market → Supply. Minimum 30 USDrf.

Stage 6: Collateralize sUSDrf to Borrow USDCx (5x) | Suggested 65 U

Prepare the collateral first: The 8 U from Stage 3 is not enough to provide the 65 sUSDrf this stage needs. Prepare more USDCx based on the live quote, get USDrf through the official Get USDrf, then convert it to sUSDrf through the official Stake flow. If Lace's integrated flow accepts USDCx directly, you still need to check the intermediate asset acquired and the final asset received. The goal is to actually receive enough sUSDrf in your wallet before supplying it on Liqwid. Tokens already placed into the LP in Stage 4 cannot also serve as collateral here. The 65 U is a reserved budget and does not guarantee you will get exactly 65 sUSDrf.

This stage has three thresholds that apply at the same time:

• Each sUSDrf deposit must be at least 30.
• The minimum borrow is 30 USDCx.
• Safe mode requires a health factor ≥ 1.6.

In the tested borrow preview, 65 sUSDrf was valued at about US$58.5, and borrowing 30 USDCx gave a health factor of 1.755. This session deposited in two transactions, but that does not mean two are required. If the interface allows it, you can deposit the full amount at once. Recalculate the amounts from the current valuation and health factor. The screenshot is a preview, not proof of an on-chain transaction. The 30 USDCx you borrow is a liability you must repay.

Why isn't it 65 dollars? 58.5 ÷ 65 = 0.90 dollars, the implied per-token valuation in this Liqwid preview. There is not enough evidence this time to tell whether it comes from the market price, an oracle or a haircut applied by the interface. Do not treat it as a general exchange rate for sUSDrf, and do not use it to claim a depeg. The health factor analysis below only covers the scenario shown in the screenshot. Recalculate today's collateral amount using today's Liqwid preview.

Liquidation risk: sUSDrf carries protocol and valuation risk. In a simplified model where the debt and liquidation parameters stay fixed and the health factor moves in proportion to the collateral price, a drop from 1.755 to 1 corresponds to roughly a 43% decline. This is not a guaranteed safe drop. Interest, oracles and parameter changes all affect the outcome. The borrow APR in this preview was about 0.5%.

4. Pitfalls Encountered in Testing

1. Not enough pure ADA: Every UTxO that holds tokens locks about 1.2–2 ADA. Even if your wallet appears to hold 30 ADA, you may be unable to pay the deposit, and the DEX will show "UTxO Balance Insufficient." Keep 10 ADA as pure ADA. 2. The wallet reports a stale balance to the website: In testing, the Eternl extension once reported an old balance, which caused a deposit to fail. It worked normally after switching to a Lace connection. 3. Two consecutive Liqwid transactions: A ScriptFailure cannot be judged a sync delay from the message alone. First check the previous transaction and the current UTxO state. A refresh is not evidence that a transaction failed. If the state is unclear, do not rebuild or resubmit. 4. Liqwid minimum thresholds: The markets chosen this time showed deposit and borrow thresholds of 30. Each market and asset may differ, so go by the current interface. 5. Same-name tokens in Lace: "USDR" in Lace Swap is not USDrf. Get USDrf through the Staking Center.

5. Costs and Points: Understand the Cost First, Then Confirm Scoring

50x or 30x is a points multiplier, not a dollar yield. As a rough estimate using eligible positions without boosts, $15 × 50 is about 750 scoring units per day, and $31 × 30 is about 930 per day. This assumes full scoring days and official recognition. Do not treat these numbers as sellable returns. The +1704/day in the overview screenshot was the account's estimate at that time. It includes different positions or boosts and cannot be used to calculate the return of each transaction in this table.

The ~$161 is the budget allocated across the steps and does not include all swap and conversion fees. The ~13.7 ADA in listed operation fees (you can round up to 15 ADA), ~3 ADA per ADA swap and ~1.47 ADA per Get USDrf are all expenses. The 2 ADA deposits are only tied up temporarily. Do not count them as permanent fees, and do not reuse them before they are refunded. Keep a separate 10 ADA liquidity buffer.

A recalculable example of ~700 ADA: 161 ÷ 0.25 = 644 ADA. Add the listed 13.7 ADA, an assumed 3 swaps × 3 ADA, 3 Get USDrf × 1.47 ADA, a 10 ADA buffer and a conservative 18 ADA reserve for temporarily tied-up deposits, for a total of 699.11 ADA. The transaction counts and deposit reserve here are a budgeting scenario, not a proven number of required transactions. Combining swaps, deposit refunds, quotes and exchange rates will all change the amount needed. The usable formula is "USD budget ÷ ADA USD price + actual fees + unrefunded deposits + pure ADA buffer." The 7-day unstaking wait, LP spread and exit costs, and the principal and interest on the 30 USDCx loan are all costs of earning points.

Because RFG's allocation ratio and realizable value are not yet determined, it cannot be shown that completing everything is more worthwhile than doing only some of it. Readers can choose not to borrow, to take part in only some items, or not to take part at all. This article offers an operational and cost comparison and does not promise a "full airdrop."

Confirm Scoring

Go back to app.realfi.co → Overview and check Season R-Points and the daily accrual rate.

Ongoing items score based on eligible USD positions, full scoring days and the current multiplier. Other boosts follow separate official rules. Lace first acquisition is a one-time event, and the same daily formula does not apply to it. Once you withdraw, points stop accruing for that position. The deadline follows official announcements; do not assume any fixed advance notice. Points are subject to anti-Sybil review. The RFG conversion ratio, eligibility and airdrop are not guaranteed.

6. Navigation Skill

At the end of this article is the "RealFi Voyager Task Navigation Skill." Its purpose is to help you navigate to the correct screens and reduce the risk of being phished by other websites. It does not hold your seed phrase or decide amounts for you, and every signature must be confirmed by you personally.

Stay at your computer while using the Skill. Wallet Confirm/signing requests have time limits, so watch for on-screen countdowns or timeout messages. You enter the password in the wallet yourself, and you complete confirmation and signing yourself. If a request times out, do not resubmit right away. First check the status of the previous request, then reopen the request and check the amount, fees and source.

The Skill only provides navigation and manual verification. It does not run point-farming scripts, automatically retry or loop transactions, or enter passwords or sign for you. Loading text instructions does not provide technical isolation, so you still need to check what is actually happening. "Navigation" cannot be used as cover to get around official restrictions on automated point farming.

Download the Skill: realfi-voyager-nav SKILL.md

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*Edited by ADA. Operation records come from this project's tutorial testing, and referral rewards go to the CardanoScope project. Not investment advice.*

Official references (checked 2026-10-02):

• RealFi Points Program Terms
• RealFi app
• RealFi documentation

Multiplier source: seasonMultiplierRegistry from the RealFi official asset-transparency API, read on 2026-10-02. In the order of the table above, the multipliers are 50, 30, 10 (one-time), 15, 10 and 5. The registry's minBalanceUsd is empty, which does not mean Liqwid transactions have no minimum. The 30-unit threshold comes from the provider's operation log of the interface in the selected markets at that time. It has not been independently verified as a protocol-wide rule. Check it live on Liqwid.

Referral Link (Disclosure)

This article is published by ADA as editor. It is a tutorial, not an independent investment rating. The funds used and the screenshots come from this project's tutorial testing. The beneficiary of referral rewards generated by referral code 3ufjEuvCXzm is the CardanoScope project, and they are used to support this project. ADA is this article's editorial byline. This project holds the DeFi positions demonstrated in the article and benefits when readers use the referral link, so it has a financial interest in the campaign.

If this article helped you, you can join RealFi through the CardanoScope project's referral link: https://app.realfi.co/join/3ufjEuvCXzm?utm_source=realfi&utm_medium=referral

• This is a referral link: under RealFi's rules, the CardanoScope project can receive 10% of the invitee's season points, and this does not reduce your points.
• Using it is optional. You can complete every task by going directly to https://app.realfi.co.
• Before clicking, confirm the domain is app.realfi.co. After you connect your wallet, the Origin in the signing window must also be that domain.

Token verification source: RealFi official partner-config.json, which included both policy IDs in this article when checked on 2026-10-02.