USDRIF is RIF On Chain's dollar token on Rootstock, minted against RIF token collateral via overcollateralized CDP-style positions. The static profile records its US Dollar peg mechanism as: USDRIF is minted through RIF on Chain using RIF and DOC V3 collateral, with the peg supported by a multi-collateral CDP/redemption design rather than a fiat reserve account.

As of Oct 24, 2026, Pharos grades USDRIF C+ (62/100) on its Safety Score. Pharos's reviews record that admin controls such as a pause or an upgradeable contract exist, though no power to freeze a specific holder was found, and any holder can use its reviewed redemption route. That is a middle-band grade: it meets baseline expectations but carries meaningful weaknesses. The grade moves as reserve, redemption, peg and control evidence changes; the live Safety Score on this page shows the current reading.

Pharos records USDRIF's reserves as of Oct 1, 2026 as 99.9% RIF collateral in the RIF On Chain V3 RIF bucket and under 0.1% DOC collateral in the RIF On Chain V3 DOC bucket. Reserve evidence: live reserve feed configured. Pharos classifies the backing as Crypto-Collateralized.

Based on tracked contract metadata and blacklist coverage, admin controls such as a global pause or an upgradeable contract are recorded, but the review found no active power to freeze or seize a specific holder's balance on material deployments.

Under the route Pharos reviewed on May 10, 2026, any holder can redeem USDRIF for RIF. Requests go through a redemption queue. The reviewed redemption fee is 0.25%. Whether a given holder qualifies is set by the route's own terms, not by this summary.