OUR stablecoins

Our real-world asset-backed tokens are designed to give investors unprecedented access to secure, value-backed assets. These tokens are fully collateralized by tangible assets such as real estate, commodities, or infrastructure, providing a stable and reliable foundation for growth. 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 (€RWA) & USDRWA ($RWA)

Toqenize is proud to offer two groundbreaking stablecoins:

  • EURWA (€RWA): A Euro-denominated stablecoin backed by tokenized real-world assets. EURWA combines the stability of the Euro with the security and transparency of blockchain technology. It’s ideal for investors looking to hedge against currency volatility while gaining exposure to real-world asset markets.

  • USDRWA ($RWA): A US Dollar-denominated stablecoin also backed by real-world assets. USDRWA offers investors the reliability of the world’s reserve currency with the added benefit of asset-backed security, making it a key component of any diversified digital portfolio.

Both EURWA and USDRWA are designed to meet regulatory standards and are fully compliant with the latest international financial regulations, including the EU’s MiCA framework. This ensures that our stablecoins not only offer stability but are also trustworthy and future-proof.

    WHY real world assets?

    • Accessibility: Tokenization democratizes access to assets that were once limited to 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, allowing for 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 real-world assets and audited for maximum security and investor protection.

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

    It is crucial to understand the interplay between tokenized Real World Assets (RWAs) and the 1:1 peg of stablecoins like EURWA (Euro-denominated) and USDRWA (US dollar-denominated). Let’s break it down:

    The Role of RWAs in Maintaining the 1:1 Peg

    Backing Mechanism

    For a stablecoin like EURWA or USDRWA to maintain its 1:1 peg with a fiat currency, it needs to be fully backed by assets of equivalent value. Tokenized RWAs (such as real estate, loans, or commodities) play a critical role in this backing process. Here’s how it works:

    • Tokenized RWAs represent tangible assets that are transformed into digital tokens on a blockchain. These assets generate stable, real-world value (e.g., rental income from properties, interest from loans).
    • These RWAs are used as collateral for EURWA and USDRWA. Each stablecoin issued must be backed by either fiat reserves (euros or US dollars) or tokenized RWAs that hold equivalent value.
    • By tying the issuance of each stablecoin to RWAs that hold stable, real-world value, EURWA and USDRWA can maintain their 1:1 peg to their respective fiat currencies. If 1 EURWA token is issued, it is either backed by 1 euro in cash reserves or by an equivalent value in tokenized RWAs.

    How Tokenized RWAs Protect the Peg

    RWAs have intrinsic value based on real-world markets. This intrinsic value helps to stabilize the overall backing of the stablecoin. For example:

    • Real Estate: A tokenized apartment or commercial building generates rental income, and the underlying property itself holds value. Even if the crypto market fluctuates, the value of the real estate provides a strong backing for EURWA or USDRWA.
    • Loans: Tokenized loans can generate interest payments, creating ongoing revenue that supports the peg and ensures the stablecoin remains fully backed.
    • Commodities: Tokenized commodities (such as gold or oil) provide a tangible asset base that adds liquidity and stability to the stablecoin’s backing.

    Dynamic Rebalancing of RWAs

    As the value of RWAs can change over time (due to market conditions or income fluctuations), regular revaluations and rebalancing of the collateral are necessary. This ensures that the total value of RWAs backing EURWA and USDRWA remains equal to or greater than the value of the circulating supply of the stablecoins.

    If needed, additional RWAs can be tokenized to maintain the 1:1 peg, ensuring that the stablecoin supply always has sufficient backing.

    our hybrid backing model

    • EURWA and USDRWA are hybrid stablecoins designed to provide security, stability, and value by combining the strength of fiat reserves and tokenized Real World Assets (RWAs). Our innovative model allows both stablecoins to maintain a 1:1 peg to their respective fiat currencies—euros for EURWA and US dollars for USDRWA—through a diversified and balanced collateralization approach.

      How Hybrid Backing Works

      For each EURWA or USDRWA token issued, there is a combination of fiat and tokenized RWAs backing its value. This means that:

      • 50% Fiat Reserves: Half of the stablecoins’ backing comes from traditional fiat currencies, held securely in regulated bank accounts. This provides immediate liquidity and ensures the stability of the stablecoin, making it easy for users to redeem EURWA or USDRWA directly for euros or US dollars.

      • 50% Tokenized Real World Assets (RWAs): The remaining backing comes from tokenized real-world assets such as real estate, loans, or commodities. These tokenized assets represent real value and generate passive income streams, such as rental income or loan interest, providing additional backing for the stablecoin and generating sustainable yield for investors.

      Why the Hybrid Model Works

      Our hybrid model ensures that EURWA and USDRWA remain fully collateralized while benefiting from the liquidity of fiat and the income potential of RWAs. The key advantages of this approach include:

      • Stability: By holding 50% in fiat reserves, we ensure that EURWA and USDRWA can be redeemed easily for traditional currency, offering stability even in volatile markets.
      • Value Generation: The tokenized RWAs backing the stablecoin generate ongoing revenue, enhancing the security of the stablecoin and providing a yield generation mechanism for investors.
      • Full Transparency: Both the fiat and RWA components are subject to regular audits and are transparently reported, so users and investors can see exactly what backs each stablecoin.

      Maintaining the 1:1 Peg

      The combined value of the fiat reserves and tokenized RWAs ensures that EURWA and USDRWA maintain their 1:1 peg with the euro and US dollar, respectively. This means that for every EURWA in circulation, there is an equivalent value in euros and tokenized RWAs, and the same applies to USDRWA and US dollars.

      This diversified backing model strengthens the stability of our stablecoins, making EURWA and USDRWA reliable options for both institutional investors and participants in the DeFi ecosystem.