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.
thUSD isn't just backed by assets but by a dynamically managed portfolio that adapts to market conditions using AI and quantitative optimization.
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)
The Confluence Engine continuously monitors and assists with rebalancing the backing portfolio using:
Multi-agent AI analysis
CVaR risk optimization
Real-time market data
Unlike static stablecoins, thUSD generates actual returns from its underlying assets, distributed to users through various yield products.
thUSD sits at the center of a comprehensive yield-generating ecosystem:
sthUSD: Yield-bearing version for passive income
Tharwa Bonds: Structured products with fixed terms
OTC Marketplace: Peer-to-peer liquidity hub
Peg Defense System: Multi-layered stability mechanisms
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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