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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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