Ref Finance User Guide

Connect to NEAR Wallet


In order to swap or add liquidity on Ref Finance, you will have to deposit NEAR from your NEAR Wallet first.

  1. In the Menu, choose Deposit.
  • Here you can check the details code for the transactions if you want, it makes sure that that transaction is made correctly.
  • Click Allow to continue.


  1. At Deposit window, choose “Withdraw”.


  1. Choose the pair you want to swap first, for example wNEAR to nDAI.

Add Token

There are some occasions that you don’t see the token you own appear in your dashboard. In this case you can follow this instruction to add a new token to deposit or swapping:

  1. Select “wNEAR” like this image.

Add Liquidity

  1. Open Ref Finance Pools.

Find your Liquidity Token

  1. Select pools.
  2. Choose Your Liquidity, and here you go.

Remove Liquidity

There are 2 ways where you can remove your liquidity:

  1. Select Pools → View Pools and choose the pool you want to remove liquidity. Then select Remove liquidity.


After successfully adding liquidity on Ref Finance, now you can stake you LP Tokens to start farming on Ref Finance.

  1. Access Ref Finance Farms.

Account Generation using NEAR Wallet

Step 1: Access to create NEAR Account

This is your home page. If you already have a NEAR Account then you can switch to the User Guide part. But if not then below is the process of how to create a NEAR Wallet Account. Let’s click “Create account”.

Step 2: Account ID

This is the place where you can choose your own name account, try to make a good one since you can not change that name after you finish. Some rules that you should follow:

  • Lowercase characters (a-z)
  • Digits (0–9)
  • Characters (_-) can be used as separators
  • Characters “@” or “.”
  • Fewer than 2 characters
  • More than 64 characters (including .near)

Step 3: Choosing Security Method

This one is important as you need to choose your secured method. Luckily, you can change this after you create an account, but right now you should select the most secure (i.e: Recovery Phrase or Ledger Nano S or X). You can add two other methods after you finish creating an account.

Step 4: Backup your Recovery Phrase (Seed Phrase)

Now your screen will present twelve characters and you have to back up this phrase. You can do the following action to backup:

  • Write down to several piece of paper and put somewhere else safe.
  • Save it into some files on another computer or phone which you only use it for security purpose (remember to clean all the virus before putting the seed phrase into it).

Step 5: Verify phrase

Step 6: Fund your account



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Ref Finance

Ref Finance


Ref Finance is the starting point to the NEAR Ecosystem with a leading AMM & a synchronous #DeFi Shard.