Early Access

RoodFi is launching on Robinhood Chain — join the waitlist for phased early access.

RoodFi logoRoodFi

About RoodFi

Tax liens, onchain — one of America's oldest yield assets, opened up to everyone on Robinhood Chain.

Introduction

For over a century, US county governments have auctioned tax lien certificates — a first-position claim on real property that pays statutory interest of 8–25% per year. It's one of the oldest and most defensive yield assets in America, but access has been limited to institutions and auction insiders.

RoodFi changes that. We tokenize tax lien and tax deed markets and bring them fully onchain, built on Robinhood Chain — with defined terms enforced by smart contracts, USDC settlement, and a 24/7 secondary market.

Today RoodFi runs on Robinhood Chain testnet with onchain lien markets across six US counties: real wallet connect, USDC-settled buy/sell, and portfolio tracking, with every transaction verifiable on the explorer.

How it works

1. Counties issue tax liens

When property taxes go unpaid, US counties auction tax lien certificates — a first-position claim on the property that earns a statutory interest rate (8–25% depending on the state) until the owner redeems.

2. RoodFi tokenizes the market

Each lien market is issued onchain on Robinhood Chain, with its statutory rate, maximum term, face value, and collateral coverage embedded in the smart contract. No discretionary payouts — terms are enforced by code.

3. Investors fund positions in USDC

Connect a wallet, pick a county market, and buy a position with USDC. Positions appear in your portfolio instantly and every transaction is verifiable on the block explorer.

4. Earn at redemption — or exit early

When the property owner redeems, holders receive principal plus the statutory rate. Don't want to wait? List your position on the 24/7 secondary market for instant USDC settlement.

5. $ROODFI ties it together

$ROODFI holders get early access to new county markets, help curate offerings, and govern the protocol as RoodFi scales from testnet to real-world lien origination.

Roadmap

Phase 1

Testnet Launch

Live now
  • —RoodFi dApp live on Robinhood Chain testnet
  • —Smart contracts deployed: tokenized lien markets across 6 US counties
  • —Wallet connect, USDC-settled buy/sell, portfolio & onchain funding data
  • —$ROODFI launch on Virtuals
Phase 2

Market Expansion

  • —Expand to 20+ county lien and deed markets
  • —Secondary marketplace: peer-to-peer position trading with orderbook
  • —Yield dashboard: track statutory interest accrual in real time
  • —$ROODFI staking for early access to new market openings
Phase 3

Mainnet & Real Assets

  • —Deploy on Robinhood Chain mainnet with audited contracts
  • —Partner with lien origination desks and county auction aggregators
  • —Legal/SPV structure for real-world lien custody
  • —Real USDC settlement, KYC-gated markets where required
Phase 4

Protocol Governance

  • —$ROODFI governance over new county listings and market parameters
  • —Revenue share from origination and marketplace fees to the protocol treasury
  • —Institutional vaults and diversified lien index products

Additional details

RoodFi is live today as a working product, not a whitepaper. The dApp runs on Robinhood Chain testnet with deployed smart contracts, and anyone can verify every buy, sell, and faucet claim on the explorer.

Why Robinhood Chain? It's an EVM-compatible L2 purpose-built for tokenized real-world assets, secured by the Arbitrum stack — the natural home for bringing a regulated, real-estate-linked asset class onchain.

Token utility

$ROODFI is the coordination token of the RoodFi protocol:

  • —Early access — priority allocation when new county lien markets open, before public funding
  • —Market curation — signal and vote on which counties and asset types (liens vs. deeds) RoodFi lists next
  • —Staking tiers — stake $ROODFI to unlock higher funding caps and reduced marketplace fees
  • —Governance — vote on protocol parameters: listing standards, fee structure, and treasury allocation
  • —Fee value flow — origination and secondary-market fees accrue to the protocol treasury governed by $ROODFI holders

Utility rolls out progressively along the roadmap — early access and curation first, staking and fee flows as markets expand to mainnet.

$ROODFI

$ROODFI is the token behind the RoodFi ecosystem, launched on Virtuals: early access to new lien markets, curation of county offerings, and governance as we move from testnet to real-world lien origination.

The app currently runs on Robinhood Chain testnet with demo funds only. Nothing on this page is investment advice, and no yield is promised.

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