Reef Finance is a unique low-tech entry point into the DeFi ecosystem. It comes in handy for individual investors while also augmenting the decision-making process for users depending on the risk levels. Any DeFi protocol can currently use Reef finance as their preferred liquid aggregator and multi-chain smart yield engine. The native utility coin of Reef Finance is Reef, and it comes with a wide range of use cases that include, but are not limited to: 1) Staking - users can use Reef to invest in different pools to generate interest with the preferred returns. 2) Protocol Fees - Reef allows users to pay fees for processes like entry and exit of an allocation basket, reallocation, rebalancing, among other tasks. 3) Yield Distribution - Reef makes it possible to choose the payout ratio of your earnings generated by other activities in your allocation basket. 4) Governance - Reef allows holders to vote on various ideas such as the release of new features and the re-adjustment of specific system characteristics.