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USDFC 소개
USDFC is a dollar-pegged stablecoin issued by Secured Finance on the Filecoin Virtual Machine and over-collateralised by FIL. A user deposits FIL into a Trove and mints USDFC against it, with no counterparty, no credit check and no ongoing interest, only a one-time borrowing fee set by the base rate at the moment the position is opened. For storage providers holding FIL for the long term, the route is a way to obtain a dollar asset usable for payments and settlement without selling the position.
The minimum collateral ratio is 110%, and the system enters recovery mode when the total collateral ratio falls below 150%. Undercollateralised positions are liquidated against the Stability Pool, whose depositors receive the FIL collateral at a discount. Any holder can also redeem at face value, paying a redemption fee of 0.5% plus the base rate in FIL; that redemption arbitrage is the main mechanism anchoring the peg. The token also implements permit and transferWithAuthorization, which makes it usable in gasless flows and x402 payment flows.
The USDFC protocol charges a minting fee of (Base Rate + 0.5%) on minted USDFC, with the documented regular range of 0.5%-5%; it charges a redemption fee of (Base Rate + 0.5%) on USDFC redeemed at face value, payable in FIL.