Heres the translation in English, preserving the HTML format:
```html
rDai (redeemable DAI) allows token holders to put their funds into an interest-generating pool for use as collateral in loans. It can be used and transferred at any time. Token holders have the right to decide who benefits from the generated interest: themselves, community funds, charities, or the dApp being used. rDAI is an interchangeable ERC20 token that can send any amount to any user, who can redeem it 1:1 for DAI at any time.
```
