Bitget App
Trade smarter
Buy cryptoMarketsTradeFuturesEarnWeb3SquareMore
Trade
Spot
Buy and sell crypto with ease
Margin
Amplify your capital and maximize fund efficiency
Onchain
Going Onchain, without going Onchain!
Convert
Zero fees, no slippage
Explore
Launchhub
Gain the edge early and start winning
Copy
Copy elite trader with one click
Bots
Simple, fast, and reliable AI trading bot
Trade
USDT-M Futures
Futures settled in USDT
USDC-M Futures
Futures settled in USDC
Coin-M Futures
Futures settled in cryptocurrencies
Explore
Futures guide
A beginner-to-advanced journey in futures trading
Futures promotions
Generous rewards await
Overview
A variety of products to grow your assets
Simple Earn
Deposit and withdraw anytime to earn flexible returns with zero risk
On-chain Earn
Earn profits daily without risking principal
Structured Earn
Robust financial innovation to navigate market swings
VIP and Wealth Management
Premium services for smart wealth management
Loans
Flexible borrowing with high fund security
Ref Finance price

Ref Finance priceREF

Not listed
$0.1196USD
-0.07%1D
The price of Ref Finance (REF) in United States Dollar is $0.1196 USD.
Data is sourced from third-party providers. This page and the information provided do not endorse any specific cryptocurrency. Want to trade listed coins?  Click here
Sign up
Ref Finance price USD live chart (REF/USD)
Last updated as of 2025-10-16 17:37:40(UTC+0)

Ref Finance market Info

Price performance (24h)
24h
24h low $0.1224h high $0.12
All-time high (ATH):
$46.75
Price change (24h):
-0.07%
Price change (7D):
-18.72%
Price change (1Y):
-33.36%
Market ranking:
#1421
Market cap:
$5,442,341.81
Fully diluted market cap:
$5,442,341.81
Volume (24h):
--
Circulating supply:
45.51M REF
Max supply:
99.99M REF
Total supply:
99.99M REF
Circulation rate:
45%
Contracts:
token....ce.near(Near)
Links:
Buy crypto

Live Ref Finance price today in USD

The live Ref Finance price today is $0.1196 USD, with a current market cap of $5.44M. The Ref Finance price is down by 0.07% in the last 24 hours, and the 24-hour trading volume is $0.00. The REF/USD (Ref Finance to USD) conversion rate is updated in real time.
How much is 1 Ref Finance worth in United States Dollar?
As of now, the Ref Finance (REF) price in United States Dollar is valued at $0.1196 USD. You can buy 1REF for $0.1196 now, you can buy 83.62 REF for $10 now. In the last 24 hours, the highest REF to USD price is $0.1243 USD, and the lowest REF to USD price is $0.1184 USD.
AI analysis
Today's hot spots in the crypto market

The cryptocurrency market is buzzing with activity on October 16, 2025, marked by significant price movements, accelerating institutional adoption, evolving regulatory landscapes, and continuous technological advancements. Investor sentiment has shifted to the 'greed' zone, a level not observed in nearly three months, reflecting renewed optimism across the digital asset space. [1]

Bitcoin's Resurgence and Institutional Embrace Bitcoin (BTC) has been a central focus, breaking above $67,000 and leading a broader market rally after a volatile period. [1] Following a dip as low as $64,900, BTC rebounded by 2.54% to reach $67,128, with its one-day trading volume surging by 20% to $49.11 billion. [1] Earlier in October, Bitcoin also achieved a new record price, surging past $125,000. [19] Technical analysis reveals a bullish 'Double Bottom' pattern, potentially setting the stage for a breakout towards the $150,000 mark. [6] Bitcoin exchange-traded funds (ETFs) have seen substantial inflows, with BlackRock's iShares Bitcoin Trust (IBIT) notably surpassing $100 billion in assets under management (AUM), making it the fastest ETF to reach this milestone. [4] This achievement led BlackRock CEO Larry Fink to underscore the growing trend of 'tokenization of all assets'. [4] Further signaling robust institutional acceptance, Morgan Stanley has expanded access to Bitcoin and other crypto funds to all its wealth management clients, including those with Individual Retirement Accounts (IRAs) and 401(k)s. [11] Citigroup is also preparing to launch a comprehensive crypto custody platform by 2026. [11] In a development highlighting the maturation of crypto derivatives, Laser Digital, Nomura Group's digital assets arm, executed its first Bitcoin options trade on GFO-X, a regulated UK derivatives venue. [8] The third quarter of 2025 saw record-breaking activity in crypto futures and options, with combined volume exceeding $900 billion, driven by increased institutional involvement. [16]

Ethereum's Trajectory and DeFi Evolution Ethereum (ETH) has mirrored Bitcoin's positive momentum, with its price increasing by 3.6% over the past 24 hours. [21] Analysts are predicting ETH could reach $5,200, driven by new privacy initiatives within the Ethereum ecosystem, such as the integration of Railgun into its privacy wallet toolkit. [21] The Ethereum Foundation is actively engaging with the Decentralized Finance (DeFi) ecosystem, deploying 2,400 ETH and stablecoins into the DeFi lender Morpho as part of its updated treasury management strategy. [12] However, Ethereum has also experienced a significant institutional withdrawal wave, with over $428 million pulled from ETH-backed ETFs in a single day, leading to a bearish outlook around the $4,000 psychological threshold. [22] The Foundation also issued a reminder for software updates following changes in proof formats introduced by EIP-7549, essential for optimizing transaction efficiency and network reliability. [14]

Altcoin Performance and Broader Market Trends While Bitcoin and Ethereum show strong signals, the altcoin market has presented a mixed bag. Binance-backed BNB saw a 1.41% increase, and Dogecoin (DOGE) rose by 2.07%. [1] Conversely, Solana (SOL) declined by 0.18%, XRP dipped by 0.94%, and Toncoin (TON) dropped by 1.10%. [1] Smaller altcoins like Shiba Inu (SHIB), PEPE, WIF, and BONK also experienced declines. [1] Despite some recent pullbacks, the Q3 2025 report from CME Group highlighted surging demand for regulated crypto exposure, with Solana (SOL) and XRP futures reaching all-time highs, indicating broader institutional and retail interest beyond just Bitcoin and Ethereum. [16] This aligns with an analyst's prediction of a potential 195x altcoin surge by October 2025, driven by historical market cycles and low exchange reserves. [2]

Regulatory Developments and Innovation Globally, regulatory frameworks for digital assets continue to evolve. In the U.S., bipartisan negotiations for a crypto market-structure bill have stalled due to a new Democratic proposal that seeks to classify DeFi front-end participants as 'digital asset intermediaries' under SEC or CFTC oversight. [18] In Europe, the European Banking Authority (EBA) raised concerns about proposed amendments to the Markets in Crypto-Assets (MiCA) regulation, fearing potential liquidity risks. [18] The EBA also released a report addressing money laundering and terrorist financing risks in crypto-asset services. [25] Japan is moving towards banning crypto insider trading, authorizing its Securities and Exchange Surveillance Commission to investigate violations. [26] Meanwhile, the tokenization of real-world assets (RWAs) continues to be a pivotal catalyst for DeFi, with MakerDAO's $1.2 billion investment in U.S. Treasury bonds serving as a prime example of institutional engagement in this sector. [10, 24] New technologies are also emerging, such as Appyea, Inc.'s Techlott, a blockchain engine designed for transparency in gaming and entry into prediction markets. [29]

Today's crypto market showcases a dynamic interplay of bullish price action, deepening institutional integration, ongoing regulatory scrutiny, and continuous innovation shaping the future of decentralized finance.

The AI-summarized content may not be fully accurate. Please verify the information from multiple sources. The above does not constitute investment advice.
Show more

Do you think the price of Ref Finance will rise or fall today?

Total votes:
Rise
0
Fall
0
Voting data updates every 24 hours. It reflects community predictions on Ref Finance's price trend and should not be considered investment advice.
The following information is included:Ref Finance price prediction, Ref Finance project introduction, development history, and more. Keep reading to gain a deeper understanding of Ref Finance.

Ref Finance price prediction

When is a good time to buy REF? Should I buy or sell REF now?

When deciding whether to buy or sell REF, you must first consider your own trading strategy. The trading activity of long-term traders and short-term traders will also be different. The Bitget REF technical analysis can provide you with a reference for trading.
According to the REF 4h technical analysis, the trading signal is Sell.
According to the REF 1d technical analysis, the trading signal is Sell.
According to the REF 1w technical analysis, the trading signal is Sell.

What will the price of REF be in 2026?

In 2026, based on a +5% annual growth rate forecast, the price of Ref Finance(REF) is expected to reach $0.1287; based on the predicted price for this year, the cumulative return on investment of investing and holding Ref Finance until the end of 2026 will reach +5%. For more details, check out the Ref Finance price predictions for 2025, 2026, 2030-2050.

What will the price of REF be in 2030?

In 2030, based on a +5% annual growth rate forecast, the price of Ref Finance(REF) is expected to reach $0.1564; based on the predicted price for this year, the cumulative return on investment of investing and holding Ref Finance until the end of 2030 will reach 27.63%. For more details, check out the Ref Finance price predictions for 2025, 2026, 2030-2050.

About Ref Finance (REF)

Title: Understanding the Significance of Ref Finance Token

Ref Finance Token is a paradigm-shifting innovation in the world of decentralized finance (DeFi). It echoes the larger disruptive impact of cryptocurrencies in the global economy. To fully understand its influence and benefits, it's crucial to decipher its historical context, key features, and future potential.

The Historical Context

Crypto's roots date back to 2008, with the inception of Bitcoin. It introduced the world to an alternative mode of transaction that's decentralized, secure, and borderless. Over the years, the crypto industry diversified as hundreds of new cryptocurrencies and tokens appeared, each offering unique propositions and use cases.

Amongst this flux emerged DeFi projects, decentralized platforms that aim to replicate traditional financial services like lending, borrowing, and exchanging assets - but without intermediaries. Through smart contracts blockchain technology, DeFi platforms present transparent, open, and inclusive financial services for everyone. Ref Finance emerges as an integral component in this space.

Understanding Ref Finance Token

Ref Finance is a multi-purpose yield engine on NEAR Protocol that offers a suite of DeFi services. As the native token of this ecosystem, Ref Finance Token plays a crucial role in maintaining and managing the operations. It allows the users to engage with various financial services available on the platform and influence the decision-making process.

Key Features of Ref Finance Token

Decentralization and Governance

Like many DeFi tokens, Ref Finance Token is underpinned by the concept of decentralization. Token holders get a say in the platform’s governance. They can participate in proposals and vote on various policy decisions, thereby influencing the system's future.

Financial Services

Ref Finance Token is deeply integrated into the ecosystem's functionality. Traders utilize the token to participate in yield farming, liquidity mining, and staking, amongst other DeFi services. It acts as a ticket to access a diverse suite of financial avenues designed to maximize user benefits.

Interoperability

Built on the NEAR Protocol, Ref Finance Token is interoperable. It allows seamless interaction with a wide range of other DeFi platforms, expanding its utility and accessibility. As the DeFi space continues to evolve, the potential for cross-chain collaborations grows, thereby increasing the potential value of the token.

Future Potential

Ref Finance Token is more than just a cryptocurrency; it's a digital asset that drives a decentralized financial system. It fosters financial inclusivity, autonomy, and interoperability. With the continued growth of DeFi, the future potential of Ref Finance Token appears promising. By engaging with this token, users are not just participating in a financial revolution but are also shaping its future direction.

As the DeFi landscape continues to evolve, the Ref Finance Token stands as testimony to the limitless potential that decentralized finance holds for the global economy. It's not just a token; it's a catalyst that drives financial inclusion, self-sovereignty, and transparent governance.

Show more

REF/USD price calculator

REF
USD
1 REF = 0.1196 USD. The current price of converting 1 Ref Finance (REF) to USD is 0.1196. This rate is for reference only.
Bitget offers the lowest transaction fees among all major trading platforms. The higher your VIP level, the more favorable the rates.

REF resources

Ref Finance ratings
4.6
100 ratings
Contracts:
token....ce.near(Near)
Links:

What can you do with cryptos like Ref Finance (REF)?

Deposit easily and withdraw quicklyBuy to grow, sell to profitTrade spot for arbitrageTrade futures for high risk and high returnEarn passive income with stable interest ratesTransfer assets with your Web3 wallet

How do I buy Ref Finance?

Learn how to get your first Ref Finance in minutes.
See the tutorial

How do I sell Ref Finance?

Learn how to cash out your Ref Finance in minutes.
See the tutorial

What is Ref Finance and how does Ref Finance work?

Ref Finance is a popular cryptocurrency. As a peer-to-peer decentralized currency, anyone can store, send, and receive Ref Finance without the need for centralized authority like banks, financial institutions, or other intermediaries.
See more

Buy more

FAQ

What is the current price of Ref Finance?

The live price of Ref Finance is $0.12 per (REF/USD) with a current market cap of $5,442,341.81 USD. Ref Finance's value undergoes frequent fluctuations due to the continuous 24/7 activity in the crypto market. Ref Finance's current price in real-time and its historical data is available on Bitget.

What is the 24 hour trading volume of Ref Finance?

Over the last 24 hours, the trading volume of Ref Finance is $0.00.

What is the all-time high of Ref Finance?

The all-time high of Ref Finance is $46.75. This all-time high is highest price for Ref Finance since it was launched.

Can I buy Ref Finance on Bitget?

Yes, Ref Finance is currently available on Bitget’s centralized exchange. For more detailed instructions, check out our helpful How to buy ref-finance guide.

Can I get a steady income from investing in Ref Finance?

Of course, Bitget provides a strategic trading platform, with intelligent trading bots to automate your trades and earn profits.

Where can I buy Ref Finance with the lowest fee?

Bitget offers industry-leading trading fees and depth to ensure profitable investments for traders. You can trade on the Bitget exchange.

Hot promotions

Where can I buy crypto?

Buy crypto on the Bitget app
Sign up within minutes to purchase crypto via credit card or bank transfer.
Download Bitget APP on Google PlayDownload Bitget APP on AppStore
Trade on Bitget
Deposit your cryptocurrencies to Bitget and enjoy high liquidity and low trading fees.

Video section — quick verification, quick trading

play cover
How to complete identity verification on Bitget and protect yourself from fraud
1. Log in to your Bitget account.
2. If you're new to Bitget, watch our tutorial on how to create an account.
3. Hover over your profile icon, click on “Unverified”, and hit “Verify”.
4. Choose your issuing country or region and ID type, and follow the instructions.
5. Select “Mobile Verification” or “PC” based on your preference.
6. Enter your details, submit a copy of your ID, and take a selfie.
7. Submit your application, and voila, you've completed identity verification!
Buy Ref Finance for 1 USD
A welcome pack worth 6200 USDT for new Bitget users!
Buy Ref Finance now
Cryptocurrency investments, including buying Ref Finance online via Bitget, are subject to market risk. Bitget provides easy and convenient ways for you to buy Ref Finance, and we try our best to fully inform our users about each cryptocurrency we offer on the exchange. However, we are not responsible for the results that may arise from your Ref Finance purchase. This page and any information included are not an endorsement of any particular cryptocurrency. Any price and other information on this page is collected from the public internet and can not be consider as an offer from Bitget.