The First
RWA-Collateralized Stablecoin
Backed By An
AI-Driven RWA Hedge Fund
Tokenizing diversified multi-asset funds to power RWA-backed stablecoin yields
Tokenizing Multi-Asset RWA Funds
Bringing diversified, multi-asset funds on-chain into blended vaults to deliver lower risk and higher yields
RWA-Backed Stablecoin
Stablecoin backed by diversified tokenized RWA funds provides stable, liquid yields and a more resilient, real world value stablecoin vs existing options
AI-Based Confluence Engine
Integrates results both AI analysis and CVaR-based quantitative optimization rebalance portfolio strategies and enable dynamic, humanless on-chain adjustments
Earn Risk-Adjusted Yields from Diversified Real-World Assets Paid Out in an RWA-Backed Stablecoin
- Tharwa is the first protocol to tokenize diversified funds with a blended, multi-asset backing composed of real estate, gold, private credit and treasury bills. This enables the potential for lower risk, higher yield returns vs single asset funds.
- Yields are paid out in a stablecoin backed by these funds, offering a stable, liquid medium that can easily be deployed in DeFi activities and is backed by real-world value instead of algorithms or volatile crypto-collateralzation.
Use thUSD to invest and earn from real-world assets
Represents value of returns from diversified RWA-backed vaults, to offer stable, liquid, DeFi-ready yields.
Earn From 2
Centres of Value
→
Tharwa token aligns incentives across all ecosystem stakeholders
Value accrual token offering access to revenue share of Tharwa fees to gain exposure to entire ecosystem vs individual vaults.
A Comprehensive Product Suite for Every Aspect of Multi-Asset, Diversified Fund Tokenization & RWA-Backed Stablecoin Deployment
The thUSD
Stablecoin
A multi-chain stablecoin backed by a diversified portfolio of RWAs, including gold, UAE-based real estate, oil, and U.S. Treasury bills. thUSD maintains a 1:1 peg with the U.S. dollar through a structured economic cycle (USD → thUSD → RWA investments → USD → thUSD), ensuring stability and liquidity.
Risk-On
Vaults
Tharwa’s risk-on vaults enable users to deposit stablecoins, including thUSD, and invest in portfolios of diversified, blended RWA funds, receiving receipt tokens that function like discount bonds.
UAE-Based Regulatory
& Sharia Compliance
Based in the UAE, Tharwa’s structure adheres to national regulations and Sharia law, establishing a unique presence in the blockchain world’s financial hub and enabling investment from capital exclusive to Sharia-compliant tokenized funds.
AI-Enabled Hedge Fund
Auto-Rebalancer
Tharwa integrates institutional-grade portfolio management in a DeFi framework, acting as a hedge fund for RWAs. AI auto-rebalancing and CVaR-based quantitative optimizers prioritize downside protection, lowering risk and volatility, whilst outperforming semivariance in risk-adjusted metrics.
OTC
Marketplace
Tharwa’s over-the-counter (OTC) marketplace facilitates thUSD trading, enabling users to engage in direct, peer-to-peer transactions. This enhances liquidity by allowing users to capitalize on arbitrage opportunities and access thUSD for various DeFi use cases.
Institutional-Grade Security
Tharwa takes a security-first approach to diversified, multi-asset RWA-tokenization and stablecoin collateralization. Our security measures are tailored to the needs of global financial, institutions, blue chip enterprises and sovereign partners, the protocol offers:
Rigorous Smart Contract Audits
All Tharwa smart contracts are audited via dual-mechanisms including public audit contests with platforms like Sherlock and Cantina, alongside traditional audits and formal verification. This multi-layered approach ensures smart contracts have gold-standard security.
24/7 Treasury and Peg Monitoring
Continuous on-chain and off-chain monitoring safeguards Tharwa’s treasury and ThUSD peg stability. This includes 24/7 oversight to detect and mitigate risks in real time.
Multi-Signature Approvals and Circuit Breakers
Critical protocol actions require multi-signature approvals, configurable via Tharwa governance. Circuit breakers halt operations during volatility to protect users.
Comprehensive Solvency Audits
Tharwa conducts solvency and economic audits to ensure financial resilience. Combined with rigorous testing, these audits reinforce the protocol’s security-first approach.
A Leadership Team With Connections to the World’s Biggest Financial Institutions
With executive leadership headquartered in Abu Dhabi and supported by a multi-national team, Tharwa is situated at the epicentre of the global RWA tokenization movement.
Tharwa is led by visionary CEO, Saeed Al Fahim, who hails from the esteemed Al Fahim family, one of the UAE’s most influential business dynasties. Saeed leverages a legacy of economic leadership and global connections rooted in Abu Dhabi’s commercial landscape.
With the family’s renowned Al Fahim Group shaping the UAE’s automotive, real estate, and philanthropic sectors for decades, Saeed brings unparalleled connections and insight from every key RWA sector.
With experience as Supply Chain Manager at TAQA Group – one of the largest integrated utilities and energy companies in the Middle East – Saeed has expertise in shaping strategy for large scale real world asset operations.
He is supported by investment advisor Hamad Mohamed Almazrouei who is an Investor Relations Specialist at EMSTEEL, a premier supplier of infrastructure solutions in the Middle East, serving as a critical partner in the region’s most ambitious industrial development projects. Meanwhile, general counsel Tugce Orhan from Orhan Legal brings an unparalleled knowledge of international law.
Reporting in to Saeed is a technical team of over a dozen developers, protocol designers, security experts, and business development and marketing professionals.
Ready to Earn Yields From Diversified, Multi-Asset RWA Funds?
Head to our app to invest in one of our vaults, stake $TRWA tokens or apply to tokenize your own fund.
