> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reflect.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Create

> Launch your own yield-bearing token, backed by collateral you choose, liquid from the moment it exists.

<img src="https://mintcdn.com/palindromeengineering/7qZyrj1XceUKJO5B/images/reflectheader.png?fit=max&auto=format&n=7qZyrj1XceUKJO5B&q=85&s=efd5c60c3d25a60b46c0c2774c8c0e85" alt="Reflect Banner" width="1500" height="500" data-path="images/reflectheader.png" />

#### Create

Create lets you issue a token that earns yield from the moment it is minted. Back it with any approved collateral, or a basket of several, and keep a share of the interest it generates.

<Columns cols={2}>
  <Card title="A branded dollar" icon="tag">
    Your own stablecoin, carrying your name, for your app or community. Back it with a single asset, or with a basket so it is diversified across venues rather than dependent on any one of them.
  </Card>

  <Card title="An index token" icon="layer-group">
    A basket of yield-bearing assets held as a single token, for a treasury or product that would rather track one position than ten.
  </Card>
</Columns>

#### How It Works

Your token is a wrapper around yield-bearing collateral held onchain. A holder deposits, the deposit becomes your backing asset, and your token is minted against it, all in one transaction. Because the collateral earns, your token appreciates with it.

Collateral comes from a reviewed set. Every eligible asset has been through Reflect's classification process and carries an independent risk rating, and you can combine several so that no single venue or issuer determines your token's performance.

Eligibility is deliberately narrow. Only permissionless, freely transferable assets qualify. Anything carrying fixed transfer restrictions or holder eligibility requirements is excluded, so a token you issue never gives its holders exposure to something they could not have held directly.

Launching runs through a single transaction. `POST /integration/initialize/flow` creates the mint, attaches your metadata, hands mint authority to the program so it can issue against deposits, and registers the integration. Upload your image and metadata first with `POST /integration/upload`, which returns the URLs the flow expects.

#### Liquid At Launch

Reflect's issuance program is integrated directly into the [Titan](https://titan.exchange) and [Jupiter](https://jup.ag) routers, so your token is swappable the moment it exists. Issue and redeem happen natively inside a route, which means no pools to seed, no market makers to hire and no liquidity incentives to fund.

Bootstrapping liquidity is normally the hardest and most expensive part of launching a token. Here it is solved before you write any code.

#### Your Economics

You set how the interest splits between you and your holders. Your share accrues continuously and you claim it whenever you like.

As an illustration, if your collateral earns 5% and you keep a fifth of the interest, holders see 4% and your share works out at \$100,000 a year for every \$10M outstanding. Rates move with the underlying, so these are not projections. Balances that previously sat idle become a revenue line, scaling with deposits held rather than transactions processed.

#### For Your Holders

* **Instant mint and redemption,** settled atomically against the collateral. No queue, no cooldown, no notice period.
* **No wallets, no gas.** Token accounts are created on first mint, and you can sponsor network fees so nothing about the experience feels like crypto.
* **Free swaps between Reflect assets** up to several thousand dollars per transaction, which makes a branded dollar spendable rather than only holdable.

#### Risks

* **Your token inherits its collateral's risk,** including the venues behind it. A basket reduces concentration, but correlated collateral diversifies less than it appears to.
* **Yield is not fixed.** Holders' rates move with the collateral. Promise them a number and you absorb the difference.
* **You face your users.** Reflect custodies nothing, but your name is on the token, so disclosure of what backs it sits with you.
* **Protection is optional.** For conservative exposure, back your token with senior positions from [Protect](https://docs.reflect.money/protect) rather than raw assets.

#### Next

<Columns cols={2}>
  <Card title="Whitelabel SDK" icon="code" href="https://docs.reflect.money/api-reference/proxy">
    Create a proxy, mint, redeem and claim in TypeScript.
  </Card>

  <Card title="Integration API" icon="server" href="https://docs.reflect.money/reflect-api/integration/initialize-integration-flow-complete-setup">
    Launch, configure, quote, mint, redeem and read statistics over HTTP.
  </Card>
</Columns>


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