> For the complete documentation index, see [llms.txt](https://bluefinfinance.gitbook.io/bluefin-white-paper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bluefinfinance.gitbook.io/bluefin-white-paper/entering-the-defi-world/how-is-this-achieved-2.md).

# How is This Achieved?

### Pillar 2: Reserve Fund and Maturity Contracts

* The Reserve works as a safety mechanism ensuring better collateralization rates, providing a bigger cushion for borrowing positions (mitigate immediate liquidation). The Reserve Fund consists primarily of Relite Government Token (RELI)
* Relite government tokens (RELI) will be introduced and used as a recapitalization mechanism (in a shortfall event) together with a staking mechanism
* 10% of Relite tokens will be in reserve funds from day 1
* Relite will have 2 types of pools: non-fixed terms and fixed terms pools (in the future)
* Maturity contracts will be introduced to the fixed terms pools mitigating rates and expiration threshold. The contracts will ensure that loans are repaid on time and not liquidated.
* After the initial governance implementation RELI holders will be able to vote on Reserve Fund policy, non-fixed/fixed pool interest rates, and collateral requirements