> For the complete documentation index, see [llms.txt](https://docs.roamfi.net/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.roamfi.net/product-elements/balance-accounts.md).

# Balance Accounts

The RoamFi application operates under a **dual-account system** consisting of:

* **$RUSD Balance Account**
* **$RF Token Account**

### $RUSD Balance Account

$RUSD can be used to purchase all services within the RoamFi ecosystem.\
It can be used directly for **FLEX** (pay-as-you-go) data or to purchase **FIX** (prepaid) packages.\
Balances have **no expiration date** and can be used **across all supported regions**.

**Top-up:**\
Users can recharge their $RUSD balance through fiat payments (via credit card, Apple Pay, Google Pay, etc.). The balance can then be used to purchase FLEX or FIX data services.

**Transfer:**\
Users can transfer $RUSD balances to other RoamFi accounts — enabling shared usage or inviting friends to enjoy the service together.

### $RF Token Account

$RF is the **reward token** within the RoamFi ecosystem.\
Users can earn $RF tokens through:

* Purchasing data services
* Referring others to use RoamFi

$RF tokens can be exchanged for $RUSD balance **based on current market value**, with an **additional 20% bonus** when converting.\
Additionally, $RF tokens grant participation rights in **RoamFi DAO governance**.

**Deposit:**\
Users can transfer $RF from an external on-chain wallet into their RoamFi app account to convert it to $RUSD or participate in governance.

**Withdraw:**\
$RF tokens stored within the RoamFi app can be transferred back on-chain at any time (standard blockchain gas fees apply).