Rhea Finance
AuditedVerifiedHas Risk AlertRhea Finance is the unified NEAR DeFi hub formed by the 2025 merger of Ref Finance (DEX) and Burrow Finance (lending), offering chain-abstracted lending, swaps, and liquid staking under the RHEA token.
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The Problem
NEAR Protocol's DeFi liquidity was fragmented across separate DEX and lending protocols, and cross-chain users had to navigate multiple wallets and bridges to deploy capital between NEAR, Bitcoin, and EVM ecosystems.
The Solution
Rhea Finance merges Ref Finance and Burrow Finance into a single liquidity hub, with chain-abstraction tooling (Satoshi Ramp, multi-chain router) that lets users supply, borrow, swap, and stake from a single NEAR-native account.
Why it Matters
The dominant DeFi platform on NEAR, with the only Bitcoin-native on-ramp into NEAR DeFi (Satoshi Ramp) and a Trail of Bits-audited lending core continuously operating since March 2022.
Protocol Metrics
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View allFrequently asked questions about Rhea Finance
What is Rhea Finance?+
Rhea Finance is a Lending protocol operating on Near. Rhea Finance is the unified NEAR DeFi hub formed by the 2025 merger of Ref Finance (DEX) and Burrow Finance (lending), offering chain-abstracted lending, swaps, and liquid staking under the RHEA token.
How does Rhea Finance work?+
Rhea Finance merges Ref Finance and Burrow Finance into a single liquidity hub, with chain-abstraction tooling (Satoshi Ramp, multi-chain router) that lets users supply, borrow, swap, and stake from a single NEAR-native account.
Is Rhea Finance safe?+
DeFi Sentinel rates Rhea Finance A with a safety score of 72/100, indicating low-to-moderate risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. Rhea Finance has 5 audits on record. DeFi Sentinel's analysis flagged 3 high, 5 medium, 1 low risk alerts across Smart Contract & Technical Risk, Economic Design & Market Risk, Governance & Centralization and Sustainability & Competitive Position. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
What is the safety score of Rhea Finance?+
Rhea Finance has a DeFi Sentinel safety score of 72/100 (rating A), last updated September 16, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
Which chains does Rhea Finance support?+
Rhea Finance is deployed on Near.
Has Rhea Finance been audited?+
Yes. Rhea Finance has 5 audit reports on record from firms including Trail of Bits, BlockSec, BlockSec. Audit reports and dates are linked under the Resources tab on this page.