Areal Finance

Areal Finance turns cash-flowing real businesses into tradable, yield-paying, community-governed on-chain primitives.

Two tokens are already live on Solana mainnet: RWT, a share in a basket of income-generating real-world assets priced at on-chain Book NAV, and stRWT, the staking token that compounds protocol income through a rising exchange rate. The first asset, a tokenized $25,000 Mini Cooper carshare in Dubai with ~150 community holders, entered the basket in June 2026, with its first income distribution imminent.

Launching on Futard.io means futarchy is live from day one. Every key protocol parameter, the income split, fee rates, asset listings, treasury deployment, is priced by the MetaDAO futarchy engine, not decided by a team or committee.

This is a pre-seed round with a live MVP. Small raise, honest scope.

How It Works

Areal collapses an entire RWA stack, tokenization, yield distribution, liquidity, and governance, into one shared basket and two tokens.

• Mint RWT by paying USDC at the current Book NAV price (the basket's book value per token). The payment enters the protocol as new capital. Existing holders are never diluted, supply and NAV grow together.
• The community picks the asset through a decision market (futarchy). Capital buys the chosen income-generating real-world asset (RWA) and adds it to the basket.
• The basket earns real, off-chain income, net of servicing costs.
• Net income is distributed on a community-defined model, currently 40 / 30 / 20 / 10:

These shares are parameters, the community can change every one of them through futarchy. RWT has no redeem; holders exit through the on-chain market, supported from below by buybacks (the 30% share) and liquidity depth (the 20% share).

Live contracts on Solana mainnet:

• RWT, RWTeFt9M635Tf6w6yveAoXQR2ZwfXs7MfA7W3grDuGT
• stRWT, sRWTy1bkqvRegb31RETanhbAtJ7eXN6XsTvaqBRh6kA

Every asset, balance, and metric is verifiable on-chain and published live at docs.areal.finance.

Market & Differentiation

Target Users

• Communities that use or back real businesses, co-owners, not spectators. A $100 holder earns the same per-token rate as a $100,000 holder.
• Crypto users seeking productive yield tied to real cashflow, not price action.
• Operators with existing audiences who want turnkey tokenization, yield distribution, liquidity, and governance without building a protocol from scratch.

Edge

• Futarchy governance from day one via MetaDAO, parameters priced by markets, not committees.
• Compounding on-chain yield, no claims, no quarterly windows. RWT compounds into Book NAV; stRWT compounds into a rising rate.
• One shared basket, one liquid market, not a separate thin pool per asset.
• Community-governed, not issuer-controlled, no privileged party sets rules post-deploy.
• Live on Solana mainnet, RWT and stRWT deployed, first real asset onboarded, ~150 holders.

Go-to-Market

We don't chase retail attention. We onboard operators who already have communities, and each operator brings both supply and demand. The Dubai carshare is live on-chain, and the pipeline is focused on onboarding more income-generating RWA into the same shared basket.

Business Model & Revenue

Areal earns from flow, not fund size. Revenue routes to the DAO treasury. No AUM fee, no carry on holder yield. Core parameters from the deployed contracts:

• 1% mint fee, on every RWT issuance, to Areal Finance.
• 10% of net basket income, the DAO share of the 40 / 30 / 20 / 10 distribution.
• DEX swap fees, on trades through RWT's on-chain liquidity.

Every parameter above is futarchy-governed via MetaDAO from launch. Treasury surplus, buyback, distribution, reinvestment, accumulation, is decided by markets, not the team.

Roadmap & Milestones

• Now: Futard.io launch via the MetaDAO futarchy engine. Treasury activates. All protocol parameters governed by futarchy from day one.
• Next 1–3 months: Protocol hardening and contract improvements. First income distribution from the Dubai asset. Onboard more income-generating RWA into the basket.
• Longer horizon: Governed by whatever the market prices next through futarchy, asset listings, fee adjustments, the income split, treasury deployment.

Links

Areal, a real claim, not synthetic exposure. Real businesses. Real yield. Real governance.