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Coins / Ref Finance / REF → USTBL
Ref Finance Spiko US T-Bills Money Market Fund

Convert REF to USTBLon Ethereum

1 REF ≈ 0.03975095 USTBL

Swap Ref Finance (REF) to Spiko US T-Bills Money Market Fund (USTBL) on Ethereum at the best cross-chain rate. SwitchFi routes your REF → USTBL exchange across the top DEXs and bridges and settles straight from your wallet — non-custodial, no account, no sign-up.

REF to USTBL market data

Metric REF USTBL · Ethereum
Price $0.04329 $1.09
Market cap $4.16M $168.38M
24h volume $122 $50
24h change -1.73% +0.00%
7d change -5.87% +0.08%
24h high / low $0.04442 / $0.04271 $1.09 / $1.09
All-time high $10.64 $1.09
Market cap rank #1690 #185

What is the REF to USTBL exchange rate?

At the current market price, 1 REF ≈ 0.03975095 USTBL, and 1 USTBL ≈ 25.1566 REF. The rate moves with the market; the exact amount you receive is quoted from live liquidity in your wallet before you sign.

Ref Finance is the smaller side of this pair — Spiko US T-Bills Money Market Fund's market capitalisation of $168.38M is roughly 41× larger than Ref Finance's $4.16M. On the overall leaderboard they sit at #1690 and #185 respectively. Over the past 24 hours REF is -1.73% while USTBL is +0.00%, so the REF/USTBL rate has moved in USTBL's favour. On a 7-day view the tape shows REF -5.87% and USTBL +0.08%. With $122 and $50 in respective daily volume, neither side of a REF→USTBL swap struggles for depth.

REF to USTBL converter & price calculator

Indicative, based on current market prices. Get a live quote in the swap.

REF / USTBL conversion tables

REF to USTBL
0.1 REF0.00397509 USTBL
0.5 REF0.01987547 USTBL
1 REF0.03975095 USTBL
5 REF0.19875473 USTBL
10 REF0.39750946 USTBL
50 REF1.9875 USTBL
100 REF3.9751 USTBL
500 REF19.8755 USTBL
1000 REF39.7509 USTBL
USTBL to REF
0.1 USTBL2.5157 REF
0.5 USTBL12.5783 REF
1 USTBL25.1566 REF
5 USTBL125.7832 REF
10 USTBL251.5663 REF
50 USTBL1257.83 REF
100 USTBL2515.66 REF
500 USTBL12578.32 REF
1000 USTBL25156.63 REF
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About Ref Finance and Spiko US T-Bills Money Market Fund

Ref Finance (REF) ranks #1690 by market capitalisation at $4.16M. Compared with its $10.64 all-time peak, it currently trades 99.6% lower. Circulating supply stands at 96.00M REF. REF has moved -5.87% week-on-week and -10.87% over 30 days. Daily turnover comes to $122.

Spiko US T-Bills Money Market Fund (USTBL) ranks #185 by market capitalisation at $168.38M. It is trading close to its all-time high of $1.09. There are currently 154.60M USTBL in circulation. Over the last 7 days USTBL is +0.08%, and +0.27% across 30 days. Around $50 of USTBL changes hands every 24 hours.

How to convert REF to USTBL

  1. 1 Enter the amount of REF you want to convert — the swap widget on this page is prefilled with the REF → USTBL pair.
  2. 2 Connect a compatible wallet: MetaMask, OKX, Trust Wallet, TokenPocket, TronLink, UniSat, Phantom and others.
  3. 3 Review the quoted route — the estimated and minimum amount of USTBL on Ethereum you will receive, plus network, DEX and bridge fees, are all shown before you sign.
  4. 4 Confirm the transaction in your wallet and track the swap on the My transactions page until the funds arrive.

Other options to exchange USTBL

Bitcoin Spiko US T-Bills Money Market Fund BTC → USTBLEthereum Bitcoin Ethereum Spiko US T-Bills Money Market Fund ETH → USTBLEthereum Ethereum Tether Spiko US T-Bills Money Market Fund USDTEthereum → USTBLEthereum Tether BNB Spiko US T-Bills Money Market Fund BNB → USTBLEthereum BNB USDC Spiko US T-Bills Money Market Fund USDCEthereum → USTBLEthereum USDC XRP Spiko US T-Bills Money Market Fund XRP → USTBLEthereum XRP Solana Spiko US T-Bills Money Market Fund SOL → USTBLEthereum Solana TRON Spiko US T-Bills Money Market Fund TRX → USTBLEthereum TRON Figure Heloc Spiko US T-Bills Money Market Fund FIGR_HELOC → USTBLEthereum Figure Heloc Hyperliquid Spiko US T-Bills Money Market Fund HYPE → USTBLEthereum Hyperliquid Dogecoin Spiko US T-Bills Money Market Fund DOGE → USTBLEthereum Dogecoin USDS Spiko US T-Bills Money Market Fund USDSEthereum → USTBLEthereum USDS

Convert any other cryptocurrency from REF

Ref Finance Bitcoin REF → BTC Bitcoin Ref Finance Ethereum REF → ETH Ethereum Ref Finance Tether REF → USDTEthereum Tether Ref Finance BNB REF → BNB BNB Ref Finance USDC REF → USDCEthereum USDC Ref Finance XRP REF → XRP XRP Ref Finance Solana REF → SOL Solana Ref Finance TRON REF → TRX TRON Ref Finance Figure Heloc REF → FIGR_HELOC Figure Heloc Ref Finance Hyperliquid REF → HYPE Hyperliquid Ref Finance Dogecoin REF → DOGE Dogecoin Ref Finance USDS REF → USDSEthereum USDS

REF to USTBL FAQ

What is the REF to USTBL exchange rate?

Right now 1 REF ≈ 0.03975095 USTBL (and 1 USTBL ≈ 25.1566 REF). Rates update continuously from live market data; the exact amount you receive is quoted in your wallet before you sign.

How to swap, exchange or convert REF to USTBL on SwitchFi?

Type in how much REF you're converting, connect a wallet, check the quoted REF→USTBL route and confirm in the wallet. The router compares DEX and bridge paths and settles without ever taking custody.

Is the REF to USTBL swap instant?

If both assets live on the same chain the swap confirms within seconds. Cross-chain conversions add a few minutes of bridge confirmation time, with live status tracking throughout.

Are there fees to convert REF to USTBL?

All costs — gas, DEX fees and any bridge fee — are included in the quote before you sign, along with the guaranteed minimum you'll receive. There are no account or custody charges.

Do I need an account to exchange REF for USTBL?

No account is needed. You connect a wallet, approve the swap and receive the funds directly — there is no registration or KYC step for on-chain swaps.

Market data by CoinGecko, cached server-side. Prices are informational — the exact swap rate is quoted at execution time.