Everything you
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Twin stablecoins are issued by Twin Finance S.A.S., a legal entity organized and regulated under the laws of the Oriental Republic of Uruguay. Learn more at twin.finance/stablecoins.

Twin stablecoins are standard ERC-20 tokens technically compatible with EVM-compatible networks. Any use in third-party protocols is at the user's own discretion and risk. Twin does not sponsor, guarantee, or control any third-party protocol. Participation may involve smart contract risk, liquidity risk, and regulatory considerations that vary by jurisdiction.

Twin stablecoins are available for integration by exchanges, wallets, fintechs, and payment platforms. To get started, reach out to our team at twin.finance/contact.

No. Twin stablecoins are payment instruments. They do not generate interest, yield, or returns of any kind for holders. Some independent integrators may, at their sole discretion, offer programs within their own platforms. Any such programs are solely the responsibility of the integrator and are not endorsed, guaranteed, or facilitated by Twin.

A digital payment instrument issued by Twin, backed at a ratio equal to or greater than 1:1 by high-quality liquid assets denominated in the local reference currency. Twin stablecoins are not investment products and do not generate yield for holders.

BRAt is the Brazilian real stablecoin issued by Twin. It maintains a 1:1 parity with the Brazilian real (BRL) and functions as a payment and settlement layer for local currency transactions within blockchain-based financial systems.

Twin provides documented APIs and technical support for platforms that want to integrate local stablecoin payments and settlement, or tokenized asset distribution.

The integration process is designed to minimize what a partner needs to build independently. The compliance framework, custody arrangements, and reserve administration are handled by Twin. Partners connect through APIs to access the functionality.

For integration requests, please complete this contact form.

The legal structure of Twin separates the issuer from the underlying assets. If Twin faces operational difficulties, the assets backing the tokens continue to exist independently.

This structural separation is a core design principle, and a key reason why the legal framework and custody arrangement matter as much as the technology.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Twin's reserves are structured to be auditable by third parties. The assets backing stablecoins like ARGt can be: cash balances, short-term sovereign securities, and regulated low-risk liquid assets.

Institutional integrators can access reserve data as part of the integration process. The reserve structure and documentation are designed to allow independent verification of the assets backing the tokens.

*This document is for informational purposes only and does not constitute an offer to sell or a solicitation to acquire any financial instrument. Twin's stablecoins are payment instruments, not investment products, and are not guaranteed by any government. See redemption policy and reserve attestations at twin.finance

Twin approaches trust through verifiable infrastructure:

• Verifiable reserves: every token issued has auditable backing.
• Institutional-grade custody: assets are held under professional custody arrangements with documented controls.
• Regulatory alignment: Twin operates under a BMA License (Bermuda Monetary Authority), one of the reference licenses for digital asset issuers globally, and works actively with regulators in each market where it operates.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

It's already happening at an institutional scale. BlackRock, Franklin Templeton, and Fidelity have tokenized products in production. The global RWA tokenized market is projected to exceed USD 16 trillion by 2030 (Boston Consulting Group). SVB's 2026 Outlook Report identifies tokenization as one of the core pillars moving crypto from experimentation to production infrastructure.

Twin builds infrastructure that enables these instruments to be issued and distributed through blockchain-based systems.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

The Bermuda Monetary Authority (BMA) License is a recognized regulatory framework for digital asset businesses. It provides regulatory oversight for real-world asset tokenization activities, offering integrators clarity and confidence in the underlying infrastructure.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Twin's tokenization investment infrastructure focuses on global investment-grade assets such as U.S. Treasury bills (T-bills), global money market funds, ETFs tracking indices like the S&P 500, and international fixed income.

Twin Tokens are offered by Twin Finance Bermuda Ltd., a Segregated Account Company incorporated under the laws of Bermuda, with registration number 202403211, that holds a Class M Digital Asset Business issued by the Bermuda Monetary Authority.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Twin tokens are tokenized representations of traditional financial assets, issued by Twin Finance Bermuda Ltd., a segregated accounts company incorporated under the laws of Bermuda, operating under a Class M Digital Asset Business License issued by the Bermuda Monetary Authority. Twin Tokens are distinct from Twin's payment stablecoins and may constitute securities under applicable law. Consult your legal and financial advisor before acquiring them.

Twin issues these tokens under its regulatory framework, creating compliant onchain representations of global investment assets. Financial platforms can integrate Twin Tokens to offer access to global markets through blockchain-based infrastructure.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Institutional-grade means the infrastructure is built to the standards that regulated financial entities require: verifiable reserves with third-party auditability, compliance frameworks aligned with applicable regulations, and documented APIs with enterprise-level reliability.

It means a bank, exchange, or asset manager can rely on Twin's rails without reputational or operational risk.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

A platform working with Twin can:

• Integrate local stablecoins directly.
• Enable 24/7 payments and transfers in local currency without depending on banking hours.
• Settle cross-currency flows on-chain with fewer intermediaries.
• Access documented APIs and technical support to integrate without building the compliance and custody layer from scratch.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness.

Most on-chain financial activity happens in USD-denominated stablecoins, which introduces FX friction for every transaction denominated in local currency. Contracts, payroll, supplier payments, and retail transactions in pesos don't need to route through the dollar.

ARGt provides a local settlement layer on-chain, removing conversion steps, reducing costs, and allowing platforms to operate in local currency with the efficiency of blockchain infrastructure.

*This document is for informational purposes only and does not constitute an offer to sell or a solicitation to acquire any financial instrument. Twin's stablecoins are payment instruments, not investment products, and are not guaranteed by any government. See redemption policy and reserve attestations at twin.finance.

ARGt is the Argentine peso stablecoin issued by Twin. It maintains parity with the ARS and is backed by reserve assets consisting of cash balances, short-term sovereign securities, and regulated low-risk liquid assets.

ARGt is the first live proof of Twin's infrastructure in production, currently distributed through integrators like Belo and technically compatible with DeFi protocols on EVM-compatible networks.

*This document is for informational purposes only and does not constitute an offer to sell or a solicitation to acquire any financial instrument. Twin's stablecoins are payment instruments, not investment products, and are not guaranteed by any government. See redemption policy and reserve attestations at twin.finance

A fully-backed local stablecoin is a digital token pegged 1:1 to a local currency, where every token in circulation is backed by real, auditable assets of equal or greater value.

Twin's stablecoins can be backed by cash balances, short-term sovereign securities, and regulated low-risk liquid assets.

*This document is for informational purposes only and does not constitute an offer to sell or a solicitation to acquire any financial instrument. Twin's stablecoins are payment instruments, not investment products, and are not guaranteed by any government. See redemption policy and reserve attestations at twin.finance

Twin builds infrastructure across emerging markets, enabling local currency stablecoins and tokenized access to global investments.

The first live use case came from Argentina: ARGt, the Argentine peso stablecoin, is in production and available through integrators like Belo, with expansion to decentralized markets coming soon.

*This document is for informational purposes only and does not constitute an offer to sell or a solicitation to acquire any financial instrument. Twin's stablecoins are payment instruments, not investment products, and are not guaranteed by any government. See redemption policy and reserve attestations at twin.finance

Three types of users work with Twin:

• Exchanges, wallets, and fintechs: that want to integrate fully-backed local stablecoins for payments and settlement, and offer access to tokenized global investment assets within their platforms.
• Asset managers and distributors: that want to access global investment exposure through tokenized instruments and distribute them through financial platforms.
• Crypto-native protocols and DeFi users: seeking infrastructure to transact in local currency within decentralized markets.

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*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Twin connects emerging local financial markets with the openness of decentralized infrastructure through compliant stablecoin issuance and asset tokenization rails.

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*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

Twin is institutional-grade infrastructure for the on-chain financial system. We build two core products:

• Fully-backed local stablecoins for payments and settlement.
• Tokenized access to global investments.

Twin provides the rails that exchanges, wallets, fintechs, and asset managers build on and integrate.

*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness

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