❓ Haven FAQ (Q&A)
1. What is Haven?
Haven is an on-chain compliant fixed income RWA platform that tokenizes U.S. Treasuries and blue-chip corporate bonds, enabling global investors, institutions, and DAOs to earn stable and secure yields.
2. What is RWA and RWA Fixed Income?
RWA (Real World Assets) refers to bringing traditional financial assets from the real world (such as U.S. Treasuries, blue-chip corporate bonds, real estate, and gold) onto the blockchain in a tokenized form for trading and investment.
RWA Fixed Income is one of the most popular applications, typically involving U.S. Treasuries and corporate bonds from companies like Apple, Nvidia, or Tencent.
By purchasing these tokens, investors indirectly hold the underlying bond assets.
These assets generate 4%–10% stable annual yields, much higher than bank savings rates, while being significantly safer than most crypto-native assets.
In simple terms, RWA Fixed Income means: bringing the safest real-world assets (Treasuries + bonds) on-chain, so global users can participate with USDT/USDC and earn stable yields.
3.What is a Bond?
A bond is essentially a loan certificate:
The global bond market exceeds $100T+ in size.
You lend money to a government or corporation.
They promise to pay you back with interest in the future.
In traditional finance, bonds are one of the most common and most stable forms of investment.
Invest in traditional bonds directly with USDT/USDC
Low entry barrier, starting from just $100
24/7 on-chain liquidity, usable in DeFi as collateral or for trading
On-chain transparency with verifiable Proof of Reserve
4. Why tokenize bonds?
Invest in traditional bonds directly with USDT/USDC
Low entry barrier, starting from just $100
24/7 on-chain liquidity, usable in DeFi as collateral or for trading
On-chain transparency with verifiable Proof of Reserve
5. Why choose Haven?
Haven is an on-chain platform focused on fixed income RWAs (Real World Assets), bringing the world’s largest and safest fixed income market into Web3:
Low Entry: Invest from just $100, open to both retail and institutional users
Stable Yield: 4–5% from U.S. Treasuries, 6–9% from bonds of Apple, Nvidia, Tencent, etc.
Compliance & Security: Custodied by licensed brokers with audits and Proof-of-Reserve
Web3-Friendly: Invest directly via wallet, integrated with DeFi liquidity and collateral use
In contrast, today’s DeFi yields rely heavily on farming and lending spreads, which are volatile and unsustainable. Haven’s value lies in:
bringing the $100T+ global fixed income market on-chain, offering stable, transparent, and compliant yields—while unlocking additional liquidity through DeFi.
6. Why choose the RWA sector?
RWA (Real World Assets) is emerging as the next trillion-dollar opportunity in Web3:
The global fixed income market exceeds $100T, but on-chain penetration is <1%.
Traditional giants like BlackRock, Fidelity, and Franklin Templeton are actively entering RWA.
According to BCG, the tokenized RWA market could reach $16T by 2030.
Unlike volatile crypto-native assets, RWAs offer stable, secure, and compliant yields, attracting both institutions and retail into Web3.
Haven focuses on fixed income RWAs (U.S. Treasuries + blue-chip bonds), providing a compliant, secure, and accessible gateway for global investors to participate in the on-chain financial ecosystem.
7. What is Haven’s yield model?
Haven uses a Zero-Coupon Model:
No periodic interest payments
Token price gradually increases over time
When redeemed or sold, investors receive both principal + interest in one payout
8. What assets does Haven support?
Haven currently offers U.S. Treasuries (Haven USTB) and plans to introduce blue-chip corporate bonds (Apple, Nvidia, Tencent, Xiaomi, etc.). Future expansion includes CDs and commercial papers.
9. What are Haven AppleBond / NvidiaBond / TencentBond?
Haven AppleBond, NvidiaBond, and TencentBond are tokenized blue-chip corporate bonds, representing indirect ownership of bonds from companies like Apple, Nvidia, and Tencent:
Annualized yield: 6%–9%
Strong credit quality with manageable risk
Accessible globally via on-chain participation
10. How does Haven ensure asset security and compliance?
Custodied by HK SFC licensed broker (Type 1/4/7/9)
SPV/Trust structure isolates funds from platform risks
Regular third-party audits + Proof-of-Reserve
Smart contracts audited, ERC-20/1400 standard, multi-sig governance
11. What is Haven USTB?
Haven USTB is an on-chain U.S. Treasury yield certificate issued by the Haven platform, representing indirect ownership and yield rights of U.S. Treasuries.
Asset-Backed: Each USTB is backed by real U.S. Treasuries, custodied by licensed brokers.
Stable Yield: Provides an annualized return of 4%–5%, significantly higher than traditional savings rates.
On-Chain Transparency: Users can monitor NAV (Net Asset Value) and Proof-of-Reserve (PoR) in real time via smart contracts.
Liquidity: Integrated with DeFi protocols, USTB can be used as collateral or traded as a liquid on-chain asset.
In short, Haven USTB = U.S. Treasuries × Tokenization × Stable Yield, enabling global investors to access the safest fixed income asset with minimal entry barriers.
12. Can I trade Haven tokens?
Yes. Haven tokens follow the ERC-20 standard and will be tradable on DEXs (e.g., PancakeSwap) and centralized exchanges (CEXs) in the future.
13. What is the investment threshold for Haven?
Haven has a low entry barrier—starting from just 100 USDT. Both retail users, DAOs, and institutions can participate.
14. What are Haven’s differentiating advantages in the RWA sector?
Stable Entry Point: Unlike higher-risk RWAs such as real estate or art, Haven focuses on Treasuries and blue-chip bonds, offering predictable yields.
Regulatory Edge: SPV/Trust structure with HK-licensed custodians ensures compliance with international standards.
Low Entry Barrier: With just $100 USDT, retail users gain access to institutional-grade fixed income products.
Web3-Native: Smart contracts + on-chain transparency enable real-time NAV and Proof-of-Reserve, with DeFi liquidity unlocking further asset value.
15. On which blockchains is Haven deployed?
Haven is currently deployed on BNB Chain, with plans to expand to Ethereum, Solana, and Layer2 networks.
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