tharwa

Two FinancialSystems.
One Protocol.

Institutional-grade treasury infrastructure for global and Islamic finance markets

Deploy capital across stablecoins, fixed-term vaults, yield products, and structured lending. Choose between conventional strategies or faith-aligned approaches — both powered by the same battle-tested infrastructure.

0%Top FixedVault APY
0%sthUSDVariable APY
Coming SoonwsthUSD Variable APY
Coming SoonsTRWA APY
MEXC
LayerZero
PENDLE
MEXC
LayerZero
PENDLE
Our Product

One Protocol.Two Access Points.

thUSD illustration
Faith-Aligned Lane

thUSD

BACKED BY:

Sukuk (Islamic bonds)
UAE Real Estate
Gold
Shariah-compliant asset selection

For faith-conscious investors, Islamic institutions, GCC family offices, halal-focused funds

Global Shine
wthUSD illustration
Global Markets Lane

wthUSD

BACKED BY:

Shariah-compliant assets (Sukuk, UAE Real Estate, Gold, Oil)
Plus T-Bills and conventional fixed income instruments
Full portfolio access for maximum yield optimization
No restrictions - institutional-grade diversification

For institutional investors, DeFi protocols, global retail investors, hedge funds, DAOs

Same protocol. Same security. Separate asset lanes. Choose the access point that aligns with your investment principles.

How It Works

Start earninginstitutional-grade yields

Mint thUSD
Protocol Deploys to RWAs
Earn Real Yield

Your capital is automatically deployed across
diversified real-world assets

Sukuk, UAE Real Estate, Gold, Oil, and T-Bills (wthUSD only)
— managed by the AI-assisted Confluence Engine.

1:1 backing
Instant Minting
Fully on-chain verification
Core Tokens

The foundationof the Tharwa ecosystem

Governance Token

TRWA

Listed On: Uniswap, Gate.com, MEXC.com

Protocol governance rights
Enhanced vault access
Yield multipliers

LIVE & AUDITED

Smart Stablecoin

thUSD

Market Access: Islamic Faith-Aligned

RWA-backed stability
Dynamic portfolio management
LayerZero cross-chain compatible
Instant liquidity

LIVE & AUDITED

Global Market Stablecoin

wthUSD

Market Access: Global

Conventional finance lane
Exposure to T-Bills and global markets
Full portfolio access (non-Shariah assets included)
Institutional focused

LIVE & AUDITED

What we offer

Products & Services

Advanced financial products built on institutional infrastructure

Vaults
Faith-Aligned Lending
OTC Marketplace
Tharwa Gold Agent
Fixed-Term Yield Strategies

Vaults

Status: Audited: PrismSec (0 critical findings)
Multiple fixed-term strategies (90-360 days)
Tradeable ERC-1155 NFTs
Early exit options
Predictable returns
LIVE & AUDITED
Infrastructure

Technology & Infrastructure

Institutional-grade systems powering
the protocol

Technology & Infrastructure
Multi-Asset Portfolio

Diversified RWA Backing

Unlike single-asset protocols, Tharwa maintains a balanced portfolio across uncorrelated assets. Dual-lane architecture provides access to both faith-aligned and conventional instruments.

Institutional-grade security

Security & Trust

Battle-tested infrastructure with institutional-grade security

01

Continuously Audited

All smart contracts audited by PrismSec with 0 critical findings. Additional audits planned with top-tier firms (Sherlock, Cantina) as protocol expands.

Commitment to ongoing security validation
02

100% Collateralization

Mint thUSD with stablecoins—protocol converts them into diversified RWAs. All collateral is verifiable on-chain.

1:1 backing
Transparent reserves
03

UAE-Based & Regulated

Operating from UAE with ADGM DLT license in progress

Building toward institutional compliance
Leadership

Built in the UAE

Headquartered in the United Arab Emirates with deep regional expertise and institutional access

LinkedIn
Co-Founder

Saeed Al Fahim

Member of one of the UAE's most respected business families. Saeed brings extensive experience in overseeing large-scale operations and a deep understanding of how traditional asset markets intersect with emerging on-chain systems. His network enables direct engagement with asset originators, institutional partners, and regulatory advisors across the GCC region—providing Tharwa with unique advantages in accessing diversified real-world assets.

Our Team

Multidisciplinary Professionals

Over a dozen professionals across engineering, protocol design, security, business development, and marketing, working together to deliver a robust, transparent, and forward-looking RWA ecosystem.

Our Base

UAE-Based
Operations

Operating from UAE with ADGM DLT license
in progress. Proximity to sovereign capital
and emerging market asset providers.

Get Started

Start Earning
Real Yield Today

Join thousands of users earning sustainable returns from diversified real-world assets

IMPORTANT DISCLAIMER

Tharwa Protocol is not currently Shariah-certified. Faith-aligned products are designed with Islamic finance principles but require independent certification. Cryptocurrency investments involve risk. Past performance does not guarantee future results. Always conduct your own research.

Tharwa Finance