StaFi (FIS) Explained: Liquid Staking, rTokens & How to Use It

StaFi Staking Calculator
Stake Your Assets
How StaFi Works
When you stake with StaFi, you receive an rToken that represents your staked asset plus accrued rewards. The rToken maintains a 1:1 peg with the underlying asset, allowing you to earn staking rewards while keeping liquidity in DeFi.
Your Estimated Returns
Based on current staking rates across multiple networks. Your actual returns may vary based on market conditions and protocol performance.
StaFi vs. Alternatives
Feature | StaFi | Lido | Rocket Pool |
---|---|---|---|
Supported Chains | 7 (Ethereum, Polkadot, Cosmos, etc.) | Primarily Ethereum | Ethereum + select Layer-2s |
Minimum Stake | 0.01 FIS ($0.001) | 0.001 ETH | 0.01 ETH (delegators) |
Protocol Fee | 11.23% average annual reward rate | 10% plus network gas | 8-14% variable |
Redemption Time | 24-72 hours | 7-10 days | 3-5 days |
Ever wondered why your staked crypto feels locked away, unable to earn extra yields? StaFi tries to fix that by turning staked assets into tradable tokens, letting you chase both staking rewards and DeFi opportunities at the same time.
What is StaFi (FIS)?
StaFi is a decentralized finance protocol that specializes in liquid staking. Originally named Staking Finance, it launched to solve the classic problem of illiquidity in proof‑of‑stake (PoS) networks. Users stake assets like ETH or DOT, receive a 1:1 pegged token called an rToken, and keep earning rewards while the rToken circulates in the broader DeFi ecosystem.
The native utility token of the protocol is FIS (FIS token), an ERC‑20 token that migrated to its own blockchain. FIS powers governance, fee discounts, and validator incentives.
How the rToken System Works
When you stake a PoS asset on StaFi, the protocol’s validator network locks the original token on its native chain. In return, you receive an rToken (reward token) on the StaFi Chain. Each rToken maintains an exact 1:1 peg with the underlying asset plus any accrued rewards.
For example, staking 10 ETH generates 10 rETH. As the Ethereum validator earns a 5% annual return, the rETH price slowly rises to reflect those rewards. You can trade rETH on DEXs, supply it as collateral, or use it in yield farms-everything while your original ETH stays locked and continues to earn its native staking reward.
Core Components of the Protocol
- StaFi Chain - a purpose‑built blockchain that mints and tracks rTokens.
- Validators - decentralized operators that manage the underlying stake on each supported network (Ethereum, Polkadot, etc.).
- Cross‑chain Support - currently seven major PoS networks, including Ethereum and Polkadot.
- rToken Smart Contracts - enforce the 1:1 peg and handle reward accrual.
- Governance via FIS - token‑holders vote on upgrades, fee structures, and new chain integrations.

Tokenomics & Supply Details
The FIS token started as an ERC‑20 asset before moving to the StaFi Chain. As of October142025, the circulating supply sits at 153,664,344.44FIS. The token serves three main purposes:
- Governance: FIS holders propose and vote on protocol upgrades.
- Staking Incentives: Validators must lock a minimum of 1,000FIS to run a node, aligning their interests with the network.
- Fee Discounts: Users who pay fees with FIS receive a modest reduction, encouraging utility usage.
FIS itself does not generate direct staking rewards; instead, it fuels the ecosystem that makes liquid staking possible.
Benefits of Using StaFi
- Liquidity Premium: Keep your capital active in DeFi while still earning validator rewards.
- Multi‑chain coverage - no need to juggle separate liquid‑staking solutions for each network.
- Lower entry barrier - staking as little as 0.01FIS for basic transactions, versus thousands of native tokens on some competitors.
- Transparent 1:1 peg - rTokens directly represent the underlying asset, unlike synthetic derivatives that can diverge.
How to Start Staking with StaFi
Follow these steps to get your first rTokens:
- Install a supported wallet (MetaMask, Ledger, Trust Wallet). Ensure it can connect to both the target PoS chain and the StaFi Chain.
- Purchase the native token you want to stake (e.g., ETH) and a small amount of FIS for transaction fees.
- Visit the official StaFi staking portal. Connect your wallet and select the network you wish to stake on.
- Enter the amount you want to lock. The UI will show the expected rToken you’ll receive (e.g., rETH).
- Confirm the transaction. Your stake is now locked on the underlying chain, and the rToken appears in your StaFi Chain address.
- Optionally, deposit the rToken into a DeFi yield farm, lend it for interest, or trade it on a DEX.
- When you need the original asset, initiate a redemption. The “Franklin Upgrade” cuts the waiting period to 24‑72hours, after which the underlying tokens are released back to your wallet.
Most users report a smooth first‑time experience within 15‑20minutes, though novices often mix up the role of FIS versus the staked asset. The protocol’s documentation includes a dedicated “Staking vs. FIS” cheat sheet to avoid that confusion.

StaFi vs. Other Liquid‑Staking Solutions
Feature | StaFi (rToken) | Lido | Rocket Pool |
---|---|---|---|
Supported Chains (Oct2025) | 7 (Ethereum, Polkadot, Cosmos, etc.) | Primarily Ethereum (≈92% TVL) | Ethereum + select Layer‑2s |
Minimum Stake | 0.01FIS (≈$0.001) for basic users | 0.001ETH | 16ETH for validator nodes, 0.01ETH for delegators |
Protocol Fee | 11.23% (average annual reward rate) | 10% (plus network gas) | 8‑14% variable |
rToken Peg | 1:1 exact peg with rewards | StETH trades slightly above 1:1 due to accrued rewards | rETH also 1:1, but with higher latency |
Redemption Time (post‑Franklin) | 24‑72hours | ≈7‑10days (batch process) | ≈3‑5days |
Active Validators | 147 nodes | ~1,200+ | ~400 |
StaFi shines when you need true multi‑chain liquidity, while Lido dominates single‑chain Ethereum staking. Rocket Pool offers a more decentralized validator set but demands a higher entry threshold for node operators.
Risks and Criticisms
No protocol is risk‑free. The main concerns around StaFi include:
- Centralization of Validators: With only 147 active nodes, a few operators hold a large share of the staking power, raising security questions.
- Smart‑contract Vulnerabilities: Past audits uncovered three medium‑severity issues that were patched, but future upgrades could introduce new bugs.
- Redemption Delays: Even after the Franklin upgrade, the 24‑72hour window can be problematic for traders needing instant liquidity.
- Brand Recognition: Compared to Lido or Rocket Pool, StaFi’s lower TVL means fewer partners and less network effect.
Balancing these risks against the liquidity premium is the core decision for any potential user.
Recent Developments & Roadmap
The most notable upgrade came on August282025 - the "Franklin Upgrade" - which cut redemption times and optimized gas usage. Looking ahead:
- Horizon Integration (Q12026): Planned bridge to the Cosmos ecosystem, adding two more PoS networks.
- rToken2.0 (mid‑2026): Aims to boost capital efficiency by allowing partial withdrawals without full redemption cycles.
- Governance Expansion: New on‑chain voting UI to lower the barrier for FIS‑holder participation.
Analysts remain divided: some forecast a 60‑90% price increase by end‑2026, while more cautious voices warn that the protocol must grow TVL dramatically to stay competitive.
Frequently Asked Questions
What exactly is an rToken?
An rToken is a token minted on the StaFi Chain that represents a 1:1 claim on a staked asset (like ETH) plus any rewards earned by that stake. It can be transferred, traded, or used as collateral while the underlying asset remains locked on its native blockchain.
Do I need to hold FIS to stake on StaFi?
You only need FIS to pay transaction fees or to become a validator. Regular staking of ETH, DOT, etc., can be done without holding any FIS, though a tiny amount may be required for sending the transaction.
How long does it take to redeem my original assets?
After the Franklin Upgrade, the redemption window is 24‑72hours, depending on network congestion. Earlier versions required up to a week.
Is StaFi safe to use?
The protocol has undergone multiple audits, and known issues have been patched. However, like any DeFi project, it carries smart‑contract risk and validator centralization concerns. Users should only allocate what they can afford to lose.
Can I stake on multiple chains simultaneously?
Yes. StaFi supports staking on seven major PoS networks. You can lock assets on each chain and receive separate rTokens (rETH, rDOT, etc.) in a single wallet.
25 Comments
Andrew Mc Adam
If you're looking to diversify your staking portfolio, StaFi's rTokens let you keep your assets liquid while still earning rewards. The 1:1 peg means you can move the token around DeFi without waiting for unbonding periods. Plus, the minimum stake is tiny – you can start with just a few cents worth of FIS. This lower barrier makes it easy for newcomers to dip a toe in staking without locking up large sums. Also, the multi‑chain support gives you exposure to Ethereum, Polkadot, Cosmos and more, so you can chase the best yields across ecosystems.
Just plug your amount into the calculator, pick a network, and you’ll see an estimate of monthly earnings. Keep in mind those numbers are based on current rates and can shift with market conditions.
Overall, StaFi offers a solid bridge between staking and liquidity for anyone who wants the best of both worlds.
Shrey Mishra
While the exposition of StaFi's architecture is commendable, it is imperative to underscore the inherent trade‑offs associated with liquid staking solutions. The rToken, albeit maintaining a nominal 1:1 peg, introduces an additional layer of smart‑contract risk which must be meticulously evaluated. Moreover, the fee structure, reflecting an average 11.23 % annual reward rate, may appear advantageous yet conceals underlying protocol and gas expenditures. A prudent investor should therefore juxtapose StaFi's redemption window of 24–72 hours against the protracted withdrawal periods characteristic of alternatives such as Lido, whilst accounting for network volatility. In summation, the platform offers a viable avenue for yield generation, provided the attendant complexities are duly acknowledged.
EDMOND FAILL
Staking on StaFi is basically a win‑win if you want liquidity.
Tayla Williams
It is with a sense of moral obligation that I highlight the ethical considerations surrounding decentralized finance, particularly in the realm of liquid staking. Users must remain vigilant against complacency, lest they entrust their assets to opaque mechanisms without due diligence. The purported convenience of rTokens should not eclipse the responsibility to scrutinise contract audits and governance models. In essence, the pursuit of yield must be balanced against the safeguarding of one’s financial integrity.
Brian Elliot
StaFi's multi‑chain approach can be a useful tool for diversifying staking exposure while keeping assets tradable. The low entry threshold means even small investors can participate without significant capital outlay. If you’re comfortable with smart‑contract risk, the 24‑72 hour redemption window is a clear advantage over longer lock‑ups. Just remember to monitor the underlying reward rates, as they can fluctuate with network conditions. Overall, it’s a pragmatic option for those seeking flexibility.
Marques Validus
Yo fam, let’s talk about rTokens – they’re basically the MVP of liquid staking, a game‑changer that lets you stack rewards while your assets stay in the market. The tokenomics are slick, you get a 1:1 peg so no slippage worries, and the APY crunches look solid on paper. Sure, there’s contract risk but that’s the price of entry in the DeFi arena, you feel me? The redemption window is fast AF, a breeze compared to Lido’s week‑long wait. Plus, the multi‑chain support spreads your yield across Ethereum, Polkadot, Cosmos and beyond – diversification on steroids. Just plug in the numbers, watch the calculator do its thing and you’re set. Keep an eye on the fee curve though, 11.23% sounds sweet but gas can eat into that profit. Bottom line: if you’re chasing liquidity and yields, StaFi is the plug.
Mitch Graci
Wow, another liquid staking platform that promises you can have your cake 🍰 and eat it too!!! Who would have thought that a token could magically stay pegged while the market does its crazy dance??? The 24‑72 hour redemption window is practically instantaneous, right? 🙄 And the 11.23% “average” reward rate… because numbers never change in crypto, am I right???
Maria Rita
Listen up, friends! StaFi can be your ticket to earning while staying flexible. The rToken keeps your stake linked 1‑to‑1, so you never lose sight of your original amount. With just a tiny amount of FIS you can jump in, and the redemption time is quick – no weeks of waiting. Think of it as a safety net that still lets you swing on the high‑yield swings of DeFi. Give the calculator a spin and watch those potential earnings light up! You’ve got this, and we’re all cheering you on.
Jordann Vierii
Hey crew, if you’re hunting for a way to keep your crypto active while still earning, StaFi’s liquid staking is worth a look. The multi‑chain support means you can allocate across different ecosystems, which spreads risk and can boost overall returns. The redemption period is a breeze compared to the week‑long delays you see elsewhere, so you stay nimble. Dive into the calculator, pick a network, and let the numbers guide your next move. Stay curious and keep exploring!
Lesley DeBow
One could argue that the essence of liquidity lies not merely in the ability to trade, but in the freedom to reallocate capital without friction. StaFi’s rTokens embody this principle by tethering claim to the underlying asset while unlocking DeFi avenues. Yet the true measure of value rests upon the security of the underlying contracts, a contemplation that extends beyond simple yield percentages.
DeAnna Greenhaw
It is rather astonishing that the discourse surrounding liquid staking often neglects the nuanced distinction between superficial yield generation and substantive financial engineering. StaFi, in its audacious attempt to democratize access, presents a veneer of simplicity through its rToken construct. However, the confluence of multi‑chain interoperability and an 11.23 % average reward rate belies an intricate tapestry of protocol incentives and risk vectors. The redemption latency, commendably truncated to 24–72 hours, nonetheless does not exonerate the participant from the latent exposure to smart‑contract vulnerabilities inherent in any on‑chain operation. Moreover, the minimal stake requirement of 0.01 FIS, while ostensibly inclusive, may inadvertently dilute the network’s security model if proliferated en masse. In effect, one must weigh the seductive allure of liquid liquidity against the latent systemic implications, lest the pursuit of short‑term gains precipitate long‑term destabilization.
Cynthia Chiang
Hey there, I get that the whole liquid staking concept can feel a bit overwhelming at first. The good news is that StaFi tries to make it as user‑friendly as possible – you just deposit your assets, get an rToken back, and can still move that token around while you earn rewards. If you’re nervous about the smart‑contract side, just double‑check that the code has been audited and keep an eye on the community updates. Also, start small – the minimum stake is tiny, so you can test the waters without risking a lot. Remember, the crypto space is all about learning and growing together, so don’t hesitate to ask for help if you need it.
Hari Chamlagai
Let’s cut through the hype: liquid staking is not a free lunch, and StaFi is no exception. The platform's claim of “liquidity without sacrifice” glosses over the inherent smart‑contract risk and the fact that the 11.23 % reward rate is predicated on volatile market conditions. If you truly understand protocol economics, you’ll recognize that the redemption window, while faster than Lido, still exposes you to price swings during that period. Moreover, the multi‑chain ambition may spread resources thin, potentially compromising security audits across all supported chains. Bottom line – do your own math, read the audit reports, and never assume that a higher APY automatically translates to a better investment.
Ben Johnson
So StaFi lets you stake and keep your assets liquid – neat, right? The rToken essentially mirrors your stake, which sounds convenient, but it also means you’re trusting another layer of code. The redemption time is a few days compared to Lido’s week, which is a marginal improvement. If you’re chasing the best yields, just remember that the fee structure and underlying network fees can eat into that headline 11.23 % rate. In short, it’s a decent option, but not a miracle solution.
Jason Clark
Alright, let’s break it down: StaFi’s rTokens give you a liquid wrapper around your staked assets, which is handy if you want to hop between DeFi protocols without waiting for unbonding. The multi‑chain coverage is impressive – you can spread your stake across Ethereum, Polkadot, Cosmos, and more, which can help you chase higher yields. The redemption window of 24–72 hours is a clear win over Lido’s week‑long period, but keep an eye on the protocol fee and gas costs, as they’ll affect your net APY. In essence, it’s a solid tool in a diversified staking strategy, provided you stay aware of the underlying risks.
Jim Greene
Hey fam! 🌟 StaFi’s liquid staking is a sweet way to keep your crypto working for you while staying flexible. The rToken stays pegged 1:1, so you’re never short‑changed, and the quick redemption window means you can react fast to market moves. Plus, with support for multiple chains you can chase the best yields without locking up all your capital. 🚀 Give the calculator a spin, see those potential numbers, and let’s keep the positive momentum rolling! 🙌
Della Amalya
Picture this: you stake your assets, earn rewards, and still have a token you can use elsewhere – that’s the promise of StaFi’s rTokens. The 1:1 peg ensures you’re never short‑changed, and the low entry point lets anyone dip a toe into staking. The redemption window is swift, making it far more adaptable than traditional lock‑ups. By leveraging StaFi, you’re essentially adding a dynamic layer to your portfolio, turning passive holding into an active, yet still safe, strategy.
Teagan Beck
Sounds like a pretty handy way to keep staking flexible.
Kim Evans
Quick tip: when you use StaFi’s calculator, make sure to select the correct network to get an accurate estimate – the reward rates can differ quite a bit between Ethereum and Polkadot. Also, keep an eye on the fee schedule; even a small percentage can add up over time. Happy staking! 😊
Steve Cabe
From an American perspective, the ability to keep assets liquid while earning staking rewards aligns with our principle of financial freedom. StaFi’s rToken model offers a pragmatic solution that avoids the lengthy unbonding periods seen elsewhere. The multi‑chain support broadens investment options, allowing US investors to diversify beyond domestic assets. Just remember to factor in the protocol fee and network gas when calculating net returns. Overall, it’s a solid addition to a liberty‑focused portfolio.
shirley morales
One must recognize that the mere existence of liquid staking does not absolve the investor from due diligence.
Mandy Hawks
The pursuit of yield should not eclipse the contemplation of risk; balance is essential.
Millsaps Crista
Alright, let’s get real – StaFi gives you that sweet spot where you can earn rewards while still having the freedom to move your assets around. The redemption window means you’re not stuck waiting weeks, and the multi‑chain reach opens doors to better rates. Just stay sharp on the fee structure and keep an eye on the underlying protocols. You’ve got the tools, now put them to work and watch your portfolio grow.
Matthew Homewood
In reflecting upon the mechanisms presented by StaFi, one observes a convergence of liquidity and reward generation that challenges traditional notions of staking immobility. The rToken acts as a proxy, preserving the value of the underlying stake while granting the holder the capacity to engage in other DeFi activities. Such flexibility invites a re‑examination of asset allocation strategies, encouraging a more fluid approach to capital deployment. However, the presence of additional smart‑contract layers necessitates a thorough assessment of systemic risk, as each abstraction introduces potential points of failure. Consequently, the discerning investor must weigh the allure of immediate liquidity against the underlying security considerations inherent in any decentralized protocol.
Bruce Safford
Okay, listen up, because the whole “liquid staking” narrative that StaFi is pushing is part of a bigger scheme to keep us glued to the DeFi hype train while the real power brokers stay in the shadows. They tell us the rToken is a 1:1 peg, but have they ever shown the full audit trail? No, they hide the deep‑link contracts that could be back‑doored by a handful of developers who probably have ties to the same VC funds that fund the biggest exchanges. The 11.23 % reward rate looks good until you factor in hidden gas fees and the fact that the redemption window of 24‑72 hours is just a smoke screen for potential slippage when the market moves fast. You think you’re free, but every time you move that token you’re feeding data back to the same analytics engines that manipulate price oracles. The multi‑chain support isn’t a gift; it’s a way to spread the attack surface across Ethereum, Polkadot, Cosmos, and more, giving anyone with enough resources a chance to exploit one weak link. And don’t get me started on the minimum stake of 0.01 FIS – that’s a trick to get thousands of tiny accounts that can be used for Sybil attacks, inflating the perceived liquidity. The fee structure is presented as a “protocol fee” but in reality it’s a hidden tax that gets siphoned to a handful of wallets that are never disclosed. All this is wrapped up in slick UI and buzzwords to keep us from asking the hard questions. If you’re not constantly digging through the source code, reading every commit, and questioning who stands to gain, you’re just another pawn in their game. The truth is, there’s no free lunch in crypto, and “liquid staking” is just a new flavor of the same old risk. Stay vigilant, verify everything, and don’t trust the marketing hype without doing your own deep dive.