# Technology & Settlement USDC is used on ReFi Hub as a digital settlement medium, not as an investment asset. It functions as a USD-denominated payment rail, enabling efficient cross-border settlement, clear accounting, and automated Yield distributions via smart contracts. Smart contracts apply predefined distribution logic once funds are received. They do not generate revenue or alter contractual obligations. The technology improves operational efficiency and transparency. Asset performance and counterparty execution remain the primary drivers of Token Holder outcomes. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://refihub.gitbook.io/refi-hub/how-refi-hub-works/technology-and-settlement.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.