OUR stablecoins

Toqenize’s hybrid real-world asset-backed tokens are designed to give investors unprecedented access to secure, value-backed assets. These tokens are fully collateralized through a dynamic blend of tokenized real-world assets (RWAs), fiat currencies, and HBAR, the native cryptocurrency of the Hedera network. This innovative approach provides a stable and reliable foundation for growth, combining the strengths of traditional finance and blockchain technology. Whether you’re looking to diversify your portfolio or enter the digital economy, our tokens represent a powerful opportunity to invest with confidence.

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Introducing Our Stablecoins: EURWA (€EURWA) & USDRWA ($USDRWA)

Toqenize is proud to offer two groundbreaking stablecoins that redefine stability and transparency:

  • EURWA (€EURWA): A Euro-denominated stablecoin backed by a hybrid reserve of tokenized real-world assets, fiat reserves, and HBAR. EURWA combines the stability of the Euro with the security, traceability, and efficiency of blockchain technology. Ideal for investors seeking to hedge against currency volatility while gaining exposure to real-world asset markets.

  • USDRWA ($USDRWA): A US Dollar-denominated stablecoin similarly backed by RWAs, fiat, and HBAR, offering the reliability of the world’s reserve currency with the added benefit of blockchain-based security. USDRWA is a key component of any diversified digital portfolio.

Both EURWA and USDRWA are designed to meet stringent regulatory standards, ensuring full compliance with the EU’s MiCA framework. This guarantees our stablecoins are not only trustworthy but future-proof, offering unparalleled stability and transparency.

WHY real world assets backing?

  • Accessibility: Tokenization democratizes access to assets once reserved for institutional investors. Now, individuals and organizations of any size can invest in fractionalized assets with ease.

  • Liquidity: Traditionally illiquid assets, such as real estate or infrastructure, become more liquid when tokenized, enabling quicker and easier trading.

  • Transparency: Our blockchain-powered platform ensures complete transparency of transactions, asset management, and ownership records.

  • Security: Every token issued by Toqenize is fully backed by RWAs, fiat, and HBAR, with regular audits ensuring maximum security and investor protection.

 

How Tokenized RWAs Contribute to Maintaining the 1:1 Peg of EURWA and USDRWA

Backing Mechanism
The stability of EURWA and USDRWA relies on a carefully managed reserve that integrates:

  1. Fiat Currencies: Euros and US dollars provide the familiar stability needed to maintain a solid foundation for the stablecoins.
  2. Tokenized RWAs: Tangible assets such as real estate, loans, and commodities generate stable real-world value, serving as collateral.
  3. HBAR: Hedera’s cryptocurrency adds blockchain-native liquidity and efficiency, ensuring seamless integration into decentralized finance (DeFi) ecosystems.

Why Tokenized RWAs Are Essential to the Hybrid Model

    • Intrinsic Value: RWAs, like real estate and commodities, provide a robust asset base that generates ongoing income (e.g., rental income or interest payments), supporting the stability of the peg.
    • Dynamic Rebalancing: As market conditions change, Toqenize conducts regular revaluations and rebalancing of RWAs, fiat, and HBAR reserves to ensure the total backing value equals or exceeds the stablecoin supply.
    • Market Independence: RWAs help insulate the stablecoins from the volatility of crypto markets, ensuring greater resilience.

Why Include HBAR in the Reserve?

  • Efficiency: HBAR ensures low transaction costs and fast settlement times, making stablecoin operations seamless.
  • Ecosystem Integration: By leveraging HBAR, Toqenize aligns with Hedera’s ecosystem, enabling deeper liquidity and expanding DeFi use cases.
  • Sustainability: Hedera’s energy-efficient blockchain supports our commitment to ESG principles.