Two Financial Systems.
One Protocol.

Institutional-grade treasury infrastructure for global and Islamic finance markets.

Launch App

Deploy capital across stablecoins, fixed-term vaults, yield products, and structured lending. Choose between conventional strategies or faith-aligned approaches — both powered by the same battle-tested infrastructure.

+20%

ethUSD Variable APY

+6%

Top-Fixed Vault APY

+29%

sthUSD Variable APY

+8%

Top-Fixed Vault APY

Coming Soon

wthUSD Variable APY

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Our Product

One Protocol.
Two Access Points.

FAITH-ALIGNED LANE
#

thUSD

BACKED BY:

  • Sukuk (Islamic bonds)
  • UAE Real Estate
  • Gold
  • Shariah-compliant asset selection

For faith-conscious investors, Islamic institutions, GCC family offices, halal-focused funds.

Explore Faith-Aligned Products
GLOBAL MARKETS LANE
W

wthUSD

BACKED BY:

  • Shariah-compliant assets included
  • Plus T-Bills and conventional fixed income
  • Full portfolio access for maximum yield
  • No restrictions - institutional-grade

For institutional investors, DeFi protocols, global retail investors, hedge funds, DAOs.

Explore Global Products
Core Tokens

The foundation of the
Tharwa ecosystem.

Governance Token

TRWA

Listed On: Uniswap, Gate.com, MEXC

  • Protocol governance rights
  • Enhanced vault access
  • Yield multipliers
Live & Audited
Smart Stablecoin

thUSD

Market Access: Islamic Faith-Aligned

  • RWA-backed stability
  • Dynamic portfolio management
  • LayerZero cross-chain compatible
Live & Audited
Global Market Stable

wthUSD

Market Access: Global

  • Conventional finance lane
  • Exposure to T-Bills and global markets
  • Institutional focused
Live & Audited
Staked Governance

sTRWA

Yield: Coming Soon

  • Stake TRWA for rewards
  • Enhanced governance rights
In Development
Yield-Bearing Token

sthUSD

Current APY Variable

  • Instant liquidity
  • Zero entry/exit fees
  • Real RWA yield distribution
Live & Audited
Wrapped Yield Token

wsthUSD

Yield: Coming Soon

  • Global markets staked
  • Compounding yield
  • Full portfolio exposure
In Development
What we offer

Products & Services
Advanced financial products built on institutional infrastructure

Fixed-Term Yield Strategies

Vaults

Audited: PrismSec (0 critical findings)

  • Multiple fixed-term strategies (90-360 days)
  • Tradable ERC-1155 NFTs
  • Early exit options
  • Predictable returns
Live & Audited
Asset-Based Borrowing

Faith-Aligned Lending

Status: Not Yet Certified

  • Designed to avoid interest (Riba)
  • Asset-backed structures (Murabaha, Ijarah)
  • Access thUSD during mint constraints
  • Building toward Shariah certification
Live & Audited
P2P Trading Hub

OTC Marketplace

Bond secondary markets

  • thUSD liquidity without DEX slippage
  • TRWA exchange
  • Custom order matching
In Development
AI-Powered Gold Allocation

Tharwa Gold Agent

Autonomous gold trading agent

  • Multi-LLM market analysis
  • Optimized entry/exit timing
  • Part of Confluence Engine ecosystem
In Development
Institutional-grade security

Security & Trust
Battle-tested infrastructure with institutional-grade security

01

Continuously Audited

All smart contracts audited by PrismSec with 0 critical findings. Additional audits planned with top-tier firms.

+ Commitment to ongoing security validation

02

100% Collateralization

Mint thUSD with stablecoins—protocol converts them into diversified RWAs. All collateral is verifiable on-chain.

+ 1:1 backing
+ Transparent reserves

03

UAE-Based & Regulated

Operating from UAE with ADGM DLT license in progress.

+ Building toward institutional compliance

04

Multi-Signature Control

Distributed key generation preventing any single point of failure.

+ No single point of failure

05

Emergency Safeguards

Circuit breakers, emergency pause mechanisms, and automated risk monitoring protect against extreme market conditions.

+ Stress-tested for worst-case scenarios