Welcome to Tharwa

Yield-Bearing Stablecoin Protocol

Tharwa operates the first AI-assisted treasury management system that transforms idle stablecoins into yield-generating assets through diversified real-world asset exposure. Our protocol combines institutional-grade portfolio management with DeFi composability, enabling both retail accessibility and enterprise-scale deployment.

Core Innovation: thUSD functions as a programmable treasury unit backed by a dynamically managed portfolio of real-world assets, delivering sustainable yield while maintaining stability through advanced risk management.

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The Problem We're Solving

Tharwa's Innovation: The first stablecoin infrastructure that combines institutional-grade risk management, diversified RWA backing, and AI-assisted optimization to deliver safety, yield, and scalability in a single protocol.

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Our Solution

thUSD: Programmable Treasury Infrastructure

A fully-collateralized stablecoin backed by an actively managed portfolio of diversified real-world assets:

Traditional Stablecoins

Limitations:

• Zero yield for holders

• Static reserve allocation

• Single-point-of-failure risk

• Reactive management approach

• Limited institutional utility

Result: Capital inefficiency and missed opportunities

thUSD Innovation

Capabilities:

• Real yield from RWA portfolio

• Dynamic AI-assisted allocation

• Multi-asset diversification

• Proactive risk optimization

• Enterprise-ready infrastructure

Result: Institutional-grade treasury management on-chain

The Confluence Engine: Institutional Portfolio Management

Proprietary AI-assisted system delivering:

Diversified RWA Backing

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Product Ecosystem

1

Foundation Layer: Core Tokens

2

Yield Layer: Income Products

3

Infrastructure Layer: Supporting Systems

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Total Addressable Market

Tharwa addresses the convergence of three significant market opportunities:

Stablecoin Infrastructure

$250B+ Market Size

Current Inefficiency:

• $250B+ in stablecoins earning zero yield for holders

• Issuers capture $10B+ annually in reserve interest

• Users subsidize infrastructure without compensation

Tharwa's Opportunity:

• Redirect yield to actual users

• Provide institutional-grade alternatives

• Enable productive capital deployment

Addressable Segment: Yield-seeking stablecoin holders and treasury managers

Diversified Fund Management

$90T Market Size

Institutional Standard:

• 70%+ of institutional capital in diversified portfolios

• Multi-asset allocation across economic cycles

• Professional risk management and rebalancing

Current Gap:

• On-chain alternatives lack diversification

• Manual management doesn't scale

• No institutional-grade risk frameworks

Tharwa's Innovation: Bringing diversified fund management on-chain with AI assistance

Islamic Finance Integration

$7.7T Market by 2028

Structural Exclusion:

• $3T+ current AUM with minimal crypto access

• Shariah compliance requirements unmet by existing protocols

• Fastest-growing financial sector globally

Compliance Requirements:

• No interest (riba) based structures

• Asset-backed instruments only

• Transparent profit-sharing mechanisms

Tharwa's Advantage: Purpose-built dual-lane architecture for compliance

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Enterprise Security & Compliance

Risk Management Framework

Institutional-Grade Controls:

Operational Security:

• Comprehensive smart contract audits (PrismSec)

• Multi-signature governance controls

• Emergency pause mechanisms

• Real-time monitoring and circuit breakers

Regulatory Compliance

Jurisdiction Advantages:

Shariah Compliance Pathway:

• Dual-lane architecture design

• Independent certification process

• Segregated compliant strategies

• Faith-aligned product isolation

Institutional Infrastructure

Enterprise-Ready Features:

• Transparent reporting: Real-time portfolio visibility

• Professional custody: Institutional-grade asset management

• Scalable architecture: Multi-chain deployment ready

• Composable design: Integration with existing systems

• Audit trail: Complete transaction and allocation history

Performance Standards:

• 60+ days operational without incidents

• Zero critical security findings

• Live yield generation and distribution

• Proven peg stability mechanisms

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Get Started

Quick Links

Website: tharwa.finance dApp: app.tharwa.finance Analytics: Dune Dashboard (Coming Soon)

Community Twitter: @TharwaUAE Discord: Join Community LinkedIn: Company Page

Development GitHub: tharwa-finance CoinGecko: TRWA Token

Exchanges Gate.io: TRWA Trading MEXC: TRWA Trading

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Documentation Navigation

1

Protocol Overview

2

Product Documentation

3

Technical Architecture

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Tharwa (ثروة) means "wealth" in Arabic, representing our mission to make financial abundance stable, intelligent, and accessible for everyone.