Product Overview
Tharwa's yield products transform static capital into productive assets through structured, risk-managed strategies. Unlike DeFi yield farming or lending loops, these products generate returns from real-world asset performance and intelligent portfolio management.
Product Suite
Tharwa Bonds (Live)
Fixed-yield vault products offering structured returns through real-world assets:
Live yields: 3.94% (90d), 5.91% (180d), 8.00% (360d) APY
ERC-1155 NFTs: Tradeable bond tokens with embedded metadata
Audited security: PrismSec audit with 0 critical findings
Early exit options: Penalty-based withdrawal or secondary market trading
sthUSD: Passive Yield (Live)
Yield-bearing version of thUSD for users seeking passive income:
ERC-4626 standard with Tharwa optimizations
Zero entry/exit fees to encourage adoption
Instant withdrawals with no lock-up periods
Automatic compounding from RWA portfolio yields
Peer-to-peer trading hub for Tharwa ecosystem assets:
Vault token trading for early exit options
thUSD liquidity without DEX slippage
TRWA exchange for governance participation
Custom order matching system
wthUSD: Wrapped Stablecoin (Coming Soon)
Wrapped version of thUSD for global market strategies:
Dual-lane architecture: Faith-aligned vs global market access
Enhanced yield potential through broader asset exposure
wsthUSD staking for yield-bearing wrapped tokens
Institutional-focused vault strategies
Faith-Aligned Products (Not Yet Certified)
Yield strategies designed with Islamic finance principles in mind:
Designed to avoid interest (riba) based structures
Asset-backed instruments only
Transparent profit-sharing mechanisms
Building toward certification (not currently Shariah-certified)
Yield Generation Sources
All yield products derive returns from real economic activity:
Real estate income from UAE properties
Commodity performance from gold and oil exposure
Fixed income yields from sukuk instruments
Infrastructure returns from tokenized assets
Risk Management
Every product incorporates institutional-grade risk controls:
CVaR optimization for tail-risk protection
Diversification requirements across asset classes
Liquidity buffers for redemption management
Circuit breakers for stress scenarios
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