FF is the governance and utility token of Falcon Finance, a protocol where users deposit stablecoins, BTC, ETH and tokenised assets to mint USDf, an overcollateralised synthetic dollar. The token launched on 29 September 2025.

So, what can you actually do with FF in 2026? Quite a bit. At Polkastarter, holders can put it toward something tangible, from authenticated trading cards and sealed products to video games. New users can also claim a free mystery pack.

If you'd rather put FF toward a trip, CoinBooking lets you use it to book flights and hotels at prices up to 30% lower than Booking.com. New users can also get $25 off their first booking.

Here are six ways to use FF in 2026.

Key Takeaways

• FF can be used to purchase authenticated trading cards, sealed products, and video games on Polkastarter. New users can also receive a free mystery pack after signing up.
• Through CoinBooking, FF holders can book flights and accommodation at prices up to 30% cheaper than Booking.com, and first-time users can claim $25 off their first booking.
• Staking FF mints sFF, which earns yield paid in FF, boosted Falcon Miles and governance rights, along with better terms when minting USDf, such as reduced haircut ratios and lower swap fees.
• Mastercard-linked crypto debit cards can let holders spend FF at millions of merchants worldwide, wherever the card and asset are supported.
• FF can also be used to buy gift cards, prepaid products and mobile top-ups from more than 5,000 brands across 185+ countries on Coinsbee.

What Is Falcon Finance (FF)?

Falcon Finance is a collateral protocol that lets users mint USDf, an overcollateralised synthetic dollar, against stablecoins, blue-chip crypto and tokenised real-world assets. The project opened a closed beta in March 2025, and the FF token launched on 29 September 2025.

Falcon Finance is led by CEO Andrei Grachev, who is also a co-founder of DWF Labs. In July 2025, the project received a $10 million strategic investment from World Liberty Financial.

FF is Falcon's governance and reward token. Holders vote on protocol upgrades, stake FF for yield and Falcon Miles, and get early access to new vaults. The maximum supply is 10 billion FF, with about 3.34 billion in circulation.

How Does Falcon Finance (FF) Work?

Falcon Finance is a synthetic dollar protocol built on overcollateralisation. Users deposit eligible collateral and mint USDf: stablecoins mint at a 1:1 ratio, while volatile assets such as BTC, ETH or SOL need extra collateral as a buffer against price swings.

USDf can then be staked for sUSDf, a yield-bearing token that grows in value against USDf as the protocol earns from funding rate arbitrage, cross-market arbitrage and real-world asset yield.

FF sits on top of this system. Holders stake it for sFF, which earns yield paid in FF and gives them a say in governance.

What I like about Falcon Finance is that your collateral doesn't have to sit idle. If you deposit BTC or stablecoins, you can mint USDf and stake it for sUSDf, which grows as the protocol earns. And if you hold FF, staking it for sFF gets you yield paid in FF and a vote in governance.

1. Buy Physical Collectibles With FF on Polkastarter

Polkastarter lets FF holders purchase authenticated physical collectibles, such as trading cards, sealed products, and video games. The items are authenticated and stored professionally, with ownership recorded on-chain.

Depending on the item, owners can request its delivery or relist it on the marketplace. FF is not accepted directly at checkout, so holders need to convert it into a supported cryptocurrency first.

Once the account is funded, you can browse available collectibles and Lootboxes, with information about contents, value, and odds shown before purchase. New users can also get a free mystery pack after signing up.

Visit the Polkastarter marketplace to find the latest products and supported payment options.

This makes sense if you want something real to show for your FF. Polkastarter lets you spend it on authenticated trading cards, sealed products and video games, with ownership kept on-chain. And if you change your mind down the line, you can always list the item back on the marketplace.

2. Book Hotels and Flights With FF on CoinBooking

Looking to spend FF on something outside the Falcon Finance ecosystem? Travel is one practical option. Book hotels and flights through CoinBooking at prices up to 30% below Booking.com.

As a leading Dubai-licensed travel broker, CoinBooking offers FF holders access to more than 2 million hotels and flights in 190+ countries, accepting FF alongside 200+ other cryptocurrencies. You can pay directly in FF rather than converting it to fiat first. CoinBooking also supports Visa, Mastercard, Apple Pay, and Google Pay.

New users can also get $25 off their first booking after signing up.

What stands out to me about CoinBooking is the pricing. You can book flights and hotels for up to 30% less than on Booking.com and pay with your FF directly. If you travel just twice a year, that's real money you keep.

3. Stake FF for sFF Rewards and Governance

FF has its most direct utility within the Falcon Finance protocol. Staking FF mints sFF at a 1:1 ratio, which earns yield paid in FF and boosted Falcon Miles, and gives holders governance rights.

Stakers also get better economic terms inside the protocol, including improved capital efficiency when minting USDf, reduced haircut ratios, lower swap fees and boosted returns on USDf and sUSDf staking. Unstaking sFF back to FF comes with a 3-day cooldown.

The ecosystem around the token keeps growing. Staking Vaults arrived in November 2025, letting users deposit assets they already hold and earn USDf. Falcon Card followed in July 2026, making USDf spendable online and in stores across 90+ jurisdictions.

Falcon has also widened its collateral list, adding Centrifuge's JAAA and JTRSY tokens in November 2025 and tokenised gold and stocks by mid-2026.

This makes sense, because staking is where FF does the most for you. If you already mint USDf on Falcon, holding sFF gets you lower swap fees, reduced haircut ratios and boosted Falcon Miles. And if you don't use the protocol much, there's less reason to stake a lot of it.

4. Spend FF With a Crypto Card

You can also spend your FF tokens through crypto payment cards. Depending on the provider, you can use a card to pay online, shop wherever Visa or Mastercard is accepted, or make mobile payments with Apple Pay and Google Pay.

The options vary by region. RedotPay serves users in Europe, Asia, Latin America, and the Middle East, though it is not available to US residents. KAST issues both virtual and physical cards built on Solana, while Ether.fi pairs self-custody with cashback on eligible purchases.

To begin, select a provider available in your region, fund your account with FF, and order a card. Check each provider's fees, features, and availability before signing up.

A crypto card is a good fit if you want to spend FF without overthinking it. You pay online or in a shop the way you normally do, and Ether.fi even adds cashback on eligible purchases. It's worth comparing the fees first, since they vary from provider to provider.

5. Buy Gift Cards and Everyday Products With FF on Coinsbee

Coinsbee provides another option for using FF for everyday purchases. It supports over 200 cryptocurrencies and offers gift cards, prepaid products, and mobile top-ups from more than 5,000 brands in 185+ countries.

Once you've found a product, pick the denomination, choose FF as your payment method and complete the transaction. After payment confirmation, Coinsbee sends the digital code via its delivery system.

Availability differs by country, so check the Coinsbee catalogue before you make a purchase.

What I like about Coinsbee is that it makes FF handy on an ordinary day. If you need to top up your phone or fancy a gift card from one of 5,000+ brands, you can pay in crypto and receive the code once it's confirmed. Just check what's available in your country before you buy.

6. Access Early-Stage Token Sales Through CoinTerminal

FF can also be swapped into supported assets for participation in selected token sales on CoinTerminal. The platform provides access to early-stage projects before their tokens become available on exchanges, with contributions starting from $100 and no staking requirement.

FF isn't accepted directly for these sales, so you must first convert it into the cryptocurrency specified for the relevant offering, usually USDT. Every launch also comes with a refund window, with the applicable terms set for that sale.

Visit CoinTerminal to see currently available launches and review the conditions before contributing.

CoinTerminal is a good fit if you enjoy spotting projects before everyone else. You can join a sale from just $100, there's no staking requirement, and each launch has a refund window, so you're not locked in from day one. You'll only need to convert your FF into USDT first.

Sources

• Falcon Finance on X, @falconfinance official announcements, product launches and roadmap updates
• Binance Academy, What Is Polkastarter (POLS)?
• Revolut, Polkastarter (POLS) Price Today
• CoinMarketCap, Polkastarter trade volume and market listings
• CoinMarketCap, Falcon Finance (FF) price, market cap and live token data

Frequently Asked Questions

1. What is FF crypto coin?

FF is the governance and utility token of Falcon Finance, a protocol where users mint USDf, an overcollateralised synthetic dollar, against stablecoins, crypto and tokenised assets. Holders stake FF for sFF to earn yield paid in FF, boost their Falcon Miles, vote on protocol upgrades and get better terms when minting USDf.

2. Can I book hotels and flights with FF?

Yes. CoinBooking, a Dubai-licensed crypto travel platform, lets FF holders book across more than 2 million hotels and flights in over 190 countries at prices up to 30% below Booking.com. You can pay directly with FF, and the platform accepts Visa, Mastercard, Google Pay and Apple Pay too. New users can also get $25 off their first booking.

3. Who is behind Falcon Finance?

Falcon Finance is led by CEO Andrei Grachev, who also co-founded the crypto trading and investment firm DWF Labs. The project received a $10 million strategic investment from World Liberty Financial in July 2025, followed by another $10 million round in October 2025 from backers including M2 Capital and Cypher Capital Group.

4. What does Falcon Finance do?

Falcon Finance lets users deposit eligible collateral, such as stablecoins, BTC, ETH, SOL or tokenised gold and stocks, to mint USDf. Stablecoins mint at 1:1, while volatile assets are overcollateralised. USDf can be staked for yield-bearing sUSDf, used across DeFi or spent through Falcon Card, which launched in July 2026.

5. How to buy Falcon Finance?

FF trades on the spot market of exchanges including Binance, Bybit, KuCoin and Kraken, mostly against USDT and against USD on Kraken. The token runs on Ethereum, with a maximum supply of 10 billion FF and about 3.34 billion in circulation.