According to official news, $Ref Finance has undergone a recent upgrade, becoming a DeFi hub that supports multi-chain asset liquidity. It utilizes $NEAR's chain abstraction technology to provide users (especially Bitcoin holders) with a convenient way to access various financial services on a unified platform. This upgrade makes it possible for DeFi services to cover the overlooked Bitcoin market, with the potential to unlock a market value of 45 billion dollars, while demonstrating $Ref Finance's rapid growth and its core role in the $NEAR DeFi ecosystem. It is reported that $Ref Finance is a cutting-edge decentralized finance DApp based on the $NEAR protocol. Since its establishment in 2021, it has transformed from a simple AMM into a comprehensive DeFi platform, with a total locked value (TVL) exceeding 50 million dollars, accounting for 25% of the $NEAR TVL (currently about 198 million dollars).