Welcome to Tharwa
Tharwa is building the next evolution of stablecoins: intelligent, yield-bearing, and backed by real-world value.
Founded in the UAE and developed by a team spanning quantitative finance, AI research, and DeFi engineering, Tharwa introduces a stablecoin ecosystem that behaves more like an on-chain hedge fund than a passive vault. At the center is thUSD, a stablecoin backed by a diversified portfolio of real-world assets and actively rebalanced using AI and quantitative optimization.
Where most stablecoins are static and underutilized, thUSD is designed to move capital dynamically. It sits at the core of a system that includes structured yield vaults, passive income via sthUSD, and an embedded treasury engine called the Confluence Engine, which continuously monitors risk and reallocates capital in real time.
Our portfolio blends assets like:
Sukuk (faith-aligned fixed income structures)
UAE real estate
Gold
Oil and select commodities (with risk caps)
More to be added in the future (faith-aligned)
This mix is carefully constructed to deliver both yield and stability, with no single asset allowed to dominate the portfolio. The system is designed to adapt, not react, and to preserve capital through downturns while generating real, risk-adjusted returns.
Whether you're holding thUSD, participating in vaults, or staking TRWA, your capital is working inside a system that mirrors how institutions manage money, just with more transparency and fewer middlemen.
Our Mission
Tharwa exists to unlock access to the $90 trillion world of diversified funds and make it available on-chain: stable, intelligent, and yield-bearing by default.
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