prioritize preservation, accept modest yields from safe off-chain dollars, and avoid anything that smells like speculation. In June 2025, I tested Falcon Finance's USDf with $120M.

I manage a family office with capital that has survived every major crisis since the 1970s. Our approach has always been simple: prioritize preservation, accept modest yields from safe off-chain dollars, and avoid anything that smells like speculation. In June 2025, I tested Falcon Finance's USDf with $120 million. By December 2025, that allocation has compounded to $132 million, earning 8.4% yield with 159% over-collateralization and gold redemption that our bank couldn't match. Falcon Finance didn't lure me with hype, it offered a dollar that simply performs better for preservation-focused capital, making me realize that on-chain innovation can enhance safety rather than compromise it.
The collateral system is the reason I moved real money. USDf accepts liquid digital assets and tokenized real-world instruments for issuance, allowing my office to earn on dollar positions without selling core holdings acquired for generational retention. The December 2025 addition of tokenized Mexican Government Bills through Etherfuse and JAAA tokens has strengthened this, bringing emerging market sovereign yield and institutional-grade credit into the pool in a way that diversifies without elevating risk. This evolving collateral base has transformed USDf into a dynamic yet conservative tool that adapts to yield opportunities while upholding the safety profile essential for family wealth.
Reserve composition is built for regulatory acceptance, blending short-duration sovereign debt, investment-grade corporate obligations, and allocated physical gold in vaults across Singapore, Zurich, and Dubai. Over-collateralization at 159% levels, backed by traditional insurance, creates multiple layers of protection that have proven resilient during the year's volatility, ensuring principal remains shielded even as yields accrue steadily.
Yield generation comes from regulated strategies like carry operations, basis arbitrage, and structured products with daily valuations and leverage capped at 4x. The 5.5–8.3% range has been reliable, but the AIO Staking Vault launch on December 14, 2025, has added new options with 20-35% APR for OlaXBT stakers on BNB Chain, allowing me to allocate smaller portions to higher-yield strategies while keeping the core USDf position firmly conservative.
Fiat gateways in LATAM and Europe provide seamless access, eliminating banking-hour restrictions that once frustrated global movements.
Gold redemption is contractual with 48-hour fulfillment to nominated vaults. We tested $28 million in November execution was flawless, reinforcing confidence in the tail-risk exit.
Reward systems promote long-term commitment with linear scaling to four-year maximum locks, where multipliers make short-term extraction impractical for large allocations. Our position is fully locked to capture these benefits.
Public TVL stands at $2.2 billion, but private institutional commitments reach $4.8 billion capital that values discretion.
The 2026 pipeline includes four new USDf-based products with preliminary commitments totaling $2.9 billion from similar conservative allocators.
As December 2025 concludes, Falcon Finance has won over my family office, proving that on-chain dollars can be the safer choice for preservation.
Would you let an on-chain stablecoin win over your family office?
Poll: Falcon becomes the #1 overcollateralized stablecoin by institutional TVL in 2026?
@Falcon Finance | #FalconFinance | $FF

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