What's going on in Ref-finance?

    key insights: The protocol saw a decrease in staking activity over the past 6 months, with staking transactions and stakers dropping from over 150 per day to below 50. Staking volume followed this pattern as well. The USDT-NEAR pool had a significant amount of liquidity added, while the ETH-NEAR and REF-NEAR pools had liquidity drop below zero due to market conditions. The most popular pairs for swapping to/from $NEAR over the past 6 months were stablecoin pairs, but non-stablecoin pairs have recently overtaken them in terms of swap metrics due to an upward trend in the crypto market. The wNEAR => USDC.e pair had the most swap transactions count and swapped volume in all time periods.