# Tokenomics

OceanFi’s tokenomics integrates four core tokens, each with specific roles that support user engagement, liquidity, and governance.

### **1. OC (OceanCredits)**

OC is a non-tradable point system used primarily for staking and unlocking exclusive features like the OceanFi MasterCard. OC cannot be swapped or traded for other tokens, reinforcing its role in incentivizing long-term user commitment. By requiring OC to access higher-tier benefits, OceanFi encourages ongoing user participation while ensuring that the token remains a core driver of loyalty rather than speculation. Staking OC at certain milestones ensures that users stay engaged with the platform, contributing to the stability and growth of the ecosystem. Since OC is non-liquid, it promotes continuous investment and use within OceanFi's ecosystem.

### **2. OPAY**

OPAY functions as a liquid reward token that users earn by staking OC. It offers liquidity, enabling users to swap it for other tokens like USDT or reinvest it into the system by purchasing more OC for additional staking. The dual-purpose nature of OPAY creates flexibility within OceanFi’s ecosystem—users can decide between leveraging OPAY for immediate liquidity or reinvesting it to earn higher rewards over time. This liquid token sustains the OceanFi economy by providing liquidity without compromising the long-term engagement goals tied to OC staking. OPAY's swap functionality ensures that users benefit directly from the ecosystem's growth, maintaining fluidity in the marketplace without destabilizing the core mechanisms.

### **3. O-USD**

OceanFi’s stablecoin, O-USD, is pegged 1:1 with the US dollar, providing stability for daily transactions. Its integration is key for real-world payments, particularly through the OceanFi MasterCard, where users can rely on O-USD for its stable value. This stablecoin helps bridge the volatility of cryptocurrency with traditional financial systems, enhancing the usability of OceanFi in daily spending. O-USD is vital for ensuring seamless payments and eliminating the risk of fluctuating value, making it easier for users to manage their digital assets. Its role within the OceanFi ecosystem extends beyond transactions, as it strengthens user confidence in the system’s ability to handle real-world payments efficiently.

### **4. OCF Token**&#x20;

OCF serves as the governance and utility token, giving users a direct role in ecosystem management. OCF enables decentralized decision-making, where token holders can vote on platform upgrades, new features, and other changes that shape the future of OceanFi. This system ensures that users not only benefit from the financial opportunities within OceanFi but also have an active voice in its development. OCF is also crucial for accessing premium tools and services within the ecosystem, positioning it as a central element for both governance and functional utility. As the platform evolves, OCF will likely be central to governance protocols, ensuring that the community remains at the heart of decision-making.



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This multi-token structure allows OceanFi to maintain a balance between long-term user engagement (via OC), liquidity (via OPAY), transactional stability (via O-USD), and governance (via OCF), creating a comprehensive system designed for scalability and sustainability.
