3F Labs is an on-chain yield network geared towards RWAs, enabling the creation of leveraged yield strategies with just one click, transparently and without intermediaries.
At the heart of 3F is the 3F Protocol: connecting bonds, credit unions, Tokenize treasury bills, etc., with DeFi users through automated leverage mechanisms, oracle data, and specialized vaults, aiming to optimize global yields in a safe and user-friendly manner.
- A global yield network for RWAs with one-click leverage and on-chain transparency.
- The architecture includes Vault RWAs, Leverage Modules, Oracle Layers, a simple UI, and automated processes.
- Raising $750,000 in early November 2025 from Curved Ventures, Steakhouse Financial, Daedalus Angels, and several DeFi OGs.
What is 3F Labs?
3F Labs is a DeFi project building protocol infrastructure for the on-chain yield market, focusing on RWAs and one-click leverage experiences, positioning itself as DeFi's Global Yield Network.
The project emerges amidst accelerating RWAs, enabling DeFi Capital to access Tokenize bonds, credit unions, and treasury bills… with transparent on-chain mechanisms and automated risk control.
What is the 3F Protocol?
The 3F Protocol is the core of the 3F ecosystem, connecting RWAs with users, automatically executing leveraged yield strategies via smart contracts , simplifying operations, and increasing global accessibility.
The protocol was publicly introduced on the 3F website with the message “leveleraged yield, transparency, global access – all on-chain”, clearly demonstrating its positioning in terms of efficiency and transparency.
What is the goal of 3F Labs?
The goal is to simplify investing and leveraging RWAs: users only need one action to deploy a strategy, without intermediaries or complex borrowing- Stake -reinvestment processes.
This approach solves the user experience and scalability problems, bringing RWA yields to a wider range of investors while maintaining on-chain validation standards.
How is 3F Labs different from traditional yield models?
The difference lies in one-click leverage, focused RWAs, and entirely on-chain processing, rather than multi-step manual intervention such as borrowing, collateral, and redeployment.
Thanks to modular structure and oracles, the strategy is optimized according to asset risk and market interest rates, reducing operational errors – a common cause of performance failure in older models.
What is one-click leverage?
One-click leverage is a mechanism that allows leverage to be applied to RWAs with just one click, eliminating the chain -by-step process of borrowing, Stake , and reinvesting.
3F's leverage module automatically determines the appropriate leverage ratio based on asset risk, interest rates, and liquidation thresholds, helping users optimize yields without requiring advanced DeFi skills.
What is 3F's Global Yield Network?
It is a network connecting diverse yield opportunities from multiple markets and on-chain infrastructure, without geographical limitations, aiming for global accessibility.
The idea of a “global yield access layer” aligns with the tokenization trend, enabling traditional assets to operate on the blockchain , increasing liquidation and distribution efficiency.
How does 3F focus on RWAs?
3F prioritizes assets such as bonds, credit unions, and Tokenize treasury bills, bringing DeFi flows closer to TradFi through transparency and risk standardization mechanisms.
CoinGecko's 2025 data shows that tokenized treasuries reached approximately $5.5 billion, up $4.7 billion from the previous year, reflecting the momentum of safe-haven demand on-chain.
"Tokenization will be the next generation of the market."
Larry Fink, CEO BlackRock, March 2023, Forbes.
How transparent and trustless are the 3F principles?
All transactions are processed on-chain via smart contracts, with price and interest rate data sourced from oracles, limiting manipulation and ensuring a transparent liquidation and profit distribution process.
Data transparency allows investors to verify Capital flows and risks in real time, aligning with institutional standards expected in the era of RWAs.
Who is backing 3F Labs?
On November 6-7, 2025, 3F raised $750,000 in an Angel/Pre-Seed Capital round from Curved Ventures, Steakhouse Financial, Daedalus Angels, and several DeFi OGs.
The list of investors also includes individuals such as Jason Yanowitz, DeFi Dad, ivangbi, Lyuben Belov… demonstrating the trust from the DeFi builder community.
“A new DeFi primitive from 3F will unlock adjustable leverage for Tokenize fund yields.”
DeFi Dad, The Edge, 11/2025.
What are the model and main components of the 3F Protocol?
3F consists of five components: 3F Protocol, RWAs Vault, Leverage Module, Oracle Layer, and user interface, working together to implement a standardized leveraged yield strategy.
What is the 3F Protocol's central hub for?
This is a network connecting RWAs and users, executing strategies through smart contracts, ensuring transparency and automation.
The protocol acts as a "coordinator," helping to streamline and optimize the investment process based on target risks, costs, and returns.
How do RWAs Vaults operate?
Each vault contains a pool of Tokenize real assets with its own yield strategy and risk structure, mimicking traditional financial products but with greater transparency.
The Chia method helps to stratify risk appetite, easily track performance, and plan allocations based on return targets.
What does the Leverage Module do?
The core module automatically applies leverage, determining the appropriate ratio based on assets and interest rates, optimizing returns while controlling risk thresholds.
Thanks to automation, users avoid operational errors and save on recurring transaction fees, improving overall efficiency.
What does Oracle Layer guarantee?
Oracle provides price and interest rate data, which are used for pricing, triggering liquidations if leverage exceeds a threshold, and reducing the risk of manipulation.
The data layer is essential for RWAs to operate properly on-chain, especially when connecting multiple markets and providers.
What are the outstanding features of 3F's user interface?
Minimalist UI, few steps to create, track, and manage yield strategies, transparent data display, and on-chain verifiable data. [oai_citation:29‡3f.xyz](https://3f.xyz/?utm_source=chatgpt.com)
A "one-click" product mindset helps expand the user base beyond the DeFi power user group.
How does the 3F Protocol process work?
The process consists of six steps: depositing assets, establishing leverage, implementing the strategy, generating returns, monitoring risk, and flexible withdrawal of Capital .
What is a deposit?
Users deposit USDC, ETH , or other stablecoins into the 3F Vault to get started.
The deposit serves as the basis for the system to calculate the loan-to-value ratio, which is then allocated to appropriate RWAs.
How does Leverage Setup work?
The system automatically determines the leverage ratio based on the asset's risk profile and market interest rates at the time of setup.
The goal is to strike a balance between expected returns and a margin of safety for liquidation.
How is deployment carried out?
Smart contracts deploy Capital into Tokenize RWAs such as on-chain bonds and secured loan portfolios.
Automated deployment reduces operational risks and opportunity costs due to delays.
How does Yield Generation work?
Yields are generated from RWAs and automatically accrue to the Vault, reflecting the holder's profit.
The profit compounding mechanism allows the effect of compound interest to become more apparent over time.
What does Risk Monitoring track?
Oracle continuously updates asset values and triggers liquidation when leverage exceeds risk thresholds.
Automated risk control is fundamental to attracting institutional Capital into on-chain RWAs.
Is the withdrawal policy flexible?
Users can withdraw Capital at any time, receiving their principal and profit after deducting fees.
Liquidation and transparent rules make the experience closer to traditional financial products.
"Tokenization of assets and securities could be a 'killer' application, with the private market size potentially reaching nearly $4 trillion by 2030."
Citi GPS, March 2023.
What is the development roadmap for 3F Labs?
As of December 29, 2025 (Vietnam time), the project has not yet publicly announced a detailed roadmap. 3F is still maintaining a waiting list and communicating about its core product.
Investors can follow official channels for updates on beta milestones, audits, chain integrations, and new vault launches.
What is the information regarding 3F's Capital and investors?
3F raised $750,000 on November 6–7, 2025. Backers included Curved Ventures, Steakhouse Financial, Daedalus Angels, and several individuals in the industry.
Curved Ventures and Steakhouse Financial are both deeply involved in DeFi and RWAs, adding strategic value to 3F in terms of operations and institutional standards.
“The tokenized treasuries market is booming, reaching $5.5 billion by April 2025; BlackRock and Securitize's BUIDL account for 45% of the market share.”
RWA 2025 Report, CoinGecko.
What are 3F's tokenomics?
Details regarding tokenomics have not yet been released. Readers should follow the official channel for updates on allocation mechanisms, features, and unlock schedules, if any.
The delay in the announcement may be aimed at perfecting the product, testing the vault mechanism, and custodial partners before launching the Token.
Which exchanges are the 3F Token listed on?
No exchange listing information is available as of December 29, 2025. Beware of fake codes and only check from official sources.
The listing process, if any, is typically linked to audit milestones, security testing, and operational stability testing of the core product.
Where is the official information channel for the project?
You should follow the co-founder's account to stay informed about the product vision and testing updates.
“Low-risk DeFi is just the beginning on Ethereum . We are excited to build 'full-spectrum risk DeFi' at 3F Labs.”
Sonya Kim, Co-founder of 3F Labs, 2025, X.
Quick comparison table: 3F and some RWA platforms
The table below helps to visualize the position of 3F in the current on-chain RWAs landscape.
| Criteria | 3F Labs | Ondo Finance (OUSG) | Maple Finance | Centrifuge |
|---|---|---|---|---|
| Focus | Leveraged yield networks for RWAs | Access to Tokenize short-term US Treasury bonds | on-chain institutional credit market | Tokenize infrastructure, RWA management |
| One-click leverage | Yes, implemented by 3F. | Not specified | Not specified | Not specified |
| Transparency | Smart contract, oracle data | Transparency in the OUSG fund | Display loan and collateral details on-chain. | Real-time asset performance data |
| Object | Individual and institutional investors seek yield RWAs. | Institutional investors need on-chain T-bill yields. | Credit lending and borrowing organizations | Asset managers, issuers of RWAs |
References: 3F (website), Ondo OUSG, Maple Finance, Centrifuge.
“The RWA.xyz dashboard records a month-on-month increase in the total value of on-chain RWAs, reflecting a sustained inflow of Capital into represented assets on the chain.”
RWA.xyz, 2025.
Summary
3F Labs is positioning itself as a bridge between TradFi and DeFi, enabling transparent, fast, and efficient access to RWAs.
One-click leverage combined with on-chain risk control simplifies the user experience, fitting the market landscape that favors tangible assets.
With its reputable backing network and clear product message, 3F has the potential to become a global yield platform in the era of accelerated tokenization.
Frequently Asked Questions
Is 3F Labs a typical yield farm platform?
No. 3F focuses on RWAs and automated leverage, processing on-chain with oracle data, unlike the traditional farm/LP model.
Does 3F have a Token yet?
No tokenomics have been announced or the company listed as of December 29, 2025. Please follow the official channel to avoid fake tokens.
How much Capital did 3F raise?
Approximately $750,000 was raised in early November 2025 from Curved Ventures, Steakhouse Financial, Daedalus Angels, and various individuals in the industry.
Why are RWAs (Regional Warrants of Warrants) a trend?
Tokenization helps increase efficiency, liquidation , and transparency; Citi forecasts its size could reach nearly $4 trillion by 2030.
What are the current yields on RWAs?
Tokenized treasuries are expected to reach approximately $5.5 billion by April 2025, indicating increasing demand for on-chain safe-haven yields.
