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thUSD: The Smart Stablecoin

thUSD represents a fundamental evolution in stablecoin design. Unlike traditional stablecoins that sit idle or rely on volatile collateral, thUSD is an intelligent treasury unit that actively generates yield while maintaining stability.

What Makes thUSD Different

Active Management

thUSD isn't just backed by assets but by a dynamically managed portfolio that adapts to market conditions using AI and quantitative optimization.

Real-World Backing

Every thUSD is fully collateralized by a diversified portfolio of real-world assets:

  • Sukuk (faith-aligned fixed income)

  • UAE real estate

  • Gold

  • Oil (capped allocation)

AI-Assisted Intelligence

The Confluence Engine continuously monitors and assists with rebalancing the backing portfolio using:

  • Multi-agent AI analysis

  • CVaR risk optimization

  • Real-time market data

Real Yield Generation

Unlike static stablecoins, thUSD generates actual returns from its underlying assets, distributed to users through various yield products.

Product Ecosystem

thUSD sits at the center of a comprehensive yield-generating ecosystem:

Technical Foundation

Built on LayerZero's OFT standard for omnichain compatibility, thUSD combines:

  • Transparent on-chain mechanics

  • Institutional-grade risk management

  • Regulatory-compliant architecture

  • Composable DeFi integration


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