I didn’t come to Falcon Finance looking for some new narrative. I came to it because I was tired of selling things I didn’t actually want to sell.
It started in one of those choppy, directionless periods where the market isn’t crashing, but it isn’t really going anywhere either. Fees still exist, real life still costs money, and opportunities still pop up… but every time I needed liquidity, the trade-off was the same: sell something I believed in long term or sit on my hands.
I’d been through that cycle a few times already.
Bull market? I load up on BTC, ETH, and a few other convictions. Quiet market? I slowly cut those positions just to pay for life or rotate into short-term plays. Then months later I’d look back at a chart and think, “I didn’t lose because my thesis was wrong. I lost because I had no way to unlock liquidity without exiting.”
That’s the mindset I was in when I really looked at Falcon Finance properly for the first time.
Instead of being another farm or another chain, Falcon felt like a piece of missing plumbing: a way to use what I already hold as collateral, mint on-chain dollars against it, and still keep my long exposure.
In practice, this is how it played out for me.
I had a bag of assets I didn’t want to dump: some BTC, some ETH, some stablecoins, and a few liquid tokens that actually had depth. Normally, if I wanted to access cash or rotate into something else, I’d sell part of that stack and hope I’d buy back lower (spoiler: I usually didn’t).
With Falcon, the flow was different. I deposited those assets as collateral and minted USDf, their overcollateralized synthetic dollar. Suddenly I had a clean, dollar-like asset on-chain without nuking my longer-term positioning.
That alone already felt better: I’d separated “I need liquidity” from “I need to exit.”
But the part that really caught my attention was what I could do after minting.
I could just hold USDf as my stable base. Or I could stake it and convert into sUSDf, the yield-bearing version that taps into Falcon’s strategies in the background. Instead of me trying to run basis trades, funding spreads, or cross-exchange plays manually, the protocol handles that side and rolls it into a single token that slowly accrues value.
It’s very different energy from typical DeFi yield.
No “farm ends in 7 days.”
No guessing which pool will survive.
No constantly moving between platforms to chase an extra few percent.
I didn’t have to think about ten strategies. I just had to answer one question: “Do I trust this to be the stable, yield layer of my stack?”
Over a few weeks of using it, something interesting happened. I stopped thinking of Falcon as a play and started thinking of it as infrastructure.
I’d mint USDf when I needed on-chain dollars. I’d park idle USDf into sUSDf when I knew I didn’t need that liquidity immediately. And most importantly, I didn’t feel like I was walking into a casino each time. I was just using a toolkit to manage timing and risk better.
That’s the user side.
The $FF side clicked later.
Initially, I saw $FF like most people do: the token attached to the protocol. Exposure to growth, upside if adoption goes well, some governance, the usual. But as I watched how I actually used Falcon, the role of $FF started to look more interesting.
Everything I liked about Falcon’s design—overcollateralized USDf, conservative backing, yield coming from structured strategies instead of pure emissions, the focus on being a universal collateralization layer across assets and chains—are all things that become more valuable as more people plug into it.
More collateral deposited.
More USDf in circulation.
More sUSDf used as a yield leg.
More protocols and platforms wiring Falcon into their own products.
If you think of Falcon as infrastructure, thenthe equity-like piece tied to that infrastructure’s growth. For me, that meant I wasn’t just using the rails; I was also taking a position in the rails themselves.
The shift was simple but important: I stopped viewing that token that’s pumping today” and started viewing it as “my way of owning a slice of the thing I increasingly depend on.”
So I gave it a job in my portfolio.
Short term, I use USDf and sUSDf as my working tools: liquidity, stability, yield. Long term, I use my expression of belief that this model of universal collateralization and conservative, sustainable yield is going to be a big part of the next phase of DeFi.
One more thing I’ll say, because it mattered to me: the more I used Falcon, the more I realized how much it reduces dumb behavior.
Without something like Falcon, every time the market wobbles, you’re tempted to offload good assets at bad prices just to raise stables. With Falcon, you have another option: lean against your own balance sheet, mint against what you already own, and manage risk in a more surgical way.
It doesn’t magically make you a genius. You can still overleverage or misjudge markets if you push it too far. But it changes the default from “sell and regret later” to “use, manage, and keep your core thesis intact.”
At this point, when I look at $FF, I’m not seeing a random token anymore. I’m seeing:
All the TVL locked as collateral.
All the USDf that people rely on as a dollar-like asset.
All the sUSDf that is quietly compounding.
All the integrations that treat Falcon as a core building block.
And I’m asking a simple question:
“Do I think more people will want to unlock liquidity without selling, and will they want to do it in a way that doesn’t feel like a time bomb?”
If the answer is yes, then to me it makes sense s a place in the portfolio—not as a meme, not as a trade, but as an aligned position in a protocol I already use.
That’s what makes this whole thing feel relevant and real for me.
Falcon Finance isn’t just another page in my bookmarks.
It’s the layer that finally let me stop panic-selling to solve liquidity problems.
And how I chose to not just use that layer but own a piece of where it’s going.
