Onchain Financial
Infrastructure

Twin is institutional-grade infrastructure for the onchain 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.

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

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 onchain 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 onchain, removing conversion steps, reducing costs, and allowing platforms to operate in local currency with the efficiency of blockchain infrastructure.

This content is provided for information 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.

USDT and USDC are US dollar-pegged stablecoins. They are valuable settlement tools for dollar-denominated transactions, but they introduce a currency conversion step for any transaction ultimately denominated in Argentine pesos, Brazilian reals, Colombian pesos, or any other local currency.

Our stablecoins are pegged to local currencies. A fintech processing peso payments can settle onchain in pesos, without converting to dollars and back. The result is fewer intermediaries, lower conversion costs, and a payment rail that matches the actual unit of account used by the end user.

This content is provided for information purposes only. Twin's stablecoins are payment instruments, not investment products.

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.

ARGt is the Argentine peso stablecoin issued by Twin. It is designed to maintain 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 content is provided for information 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.

BRAt is the Brazilian real stablecoin issued by Twin. It is designed to maintain parity with the BRL and functions as a payment and settlement layer for local currency transactions within blockchain-based financial systems.

This content is provided for information purposes only. Twin's stablecoins are payment instruments, not investment products.

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.

This content is provided for information purposes only. Twin's stablecoins are payment instruments, not investment products.

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.

This content is provided for information purposes only. Twin's stablecoins are payment instruments, not investment products.

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.

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.

Twin builds trust through transparency, documented controls, and a clear legal structure for each of its products:

• Verifiable backing: Twin Stablecoins are backed by reserve assets that meet or exceed circulating supply, with reserve reports published on the Transparency page. Each Twin Token is backed by its reference asset, held in a segregated account.
• Documented custody controls: Twin holds digital assets in its own custody, using non-custodial wallet infrastructure provided by a third-party technology provider. Traditional backing assets are held with regulated third-party institutions. All custody arrangements are governed by documented policies and multi-approver controls.
• Clear legal structure: Twin Tokens are issued by Twin Finance Bermuda Ltd., which holds a Class M Digital Asset Business License issued by the Bermuda Monetary Authority. No other entity of the Twin group holds this license. Twin Stablecoins are issued by Twin Finance S.A.S., a company organized under the laws of the Oriental Republic of Uruguay. Licensing by the Bermuda Monetary Authority does not constitute an endorsement of any Twin product.

This content is provided for information purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any asset, or investment, legal, tax, or financial advice. Twin Stablecoins are payment instruments, not investment products. No reliance may be placed for any purpose on the information contained in this content or on its accuracy or completeness.

It means infrastructure built around what regulated financial institutions look for before integrating a new payment rail: transparency, control, and operational reliability.

For Twin Stablecoins, that translates into:

• Transparent backing: reserves that meet or exceed circulating supply, with reserve reports published on the Transparency page.
• Controlled issuance: minting and redemption limited to integrators that have completed Twin’s onboarding and compliance process.
• Documented integration: APIs and technical documentation that let exchanges, wallets, and fintechs connect without building issuance, custody, or reserve administration themselves.
• Operational reliability: standard ERC-20 tokens deployed across multiple networks, supporting 24/7 settlement outside banking hours.

The goal is simple: give banks, exchanges, and fintechs a local-currency settlement layer they can evaluate, document, and integrate with confidence.

This content is provided for information purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any asset, or legal, tax, or financial advice. Twin Stablecoins are payment instruments, not investment products, and are not guaranteed by any government. Each integrator remains responsible for its own regulatory compliance.

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Twin Tokens are designed so that the assets backing them are kept separate from Twin’s own business. Twin Finance Bermuda Ltd. is registered as a segregated accounts company under Bermuda law, and the reference assets backing Twin Tokens are held in a dedicated segregated account, apart from Twin’s corporate funds and operating assets.

Twin does not sell, pledge, or otherwise use these backing assets for its own purposes. They are held solely to support the Twin Tokens in circulation.

Twin also maintains a wind-down plan, designed to support an orderly process if Twin were ever unable to continue operating, including the handling of backing assets and redemptions for eligible holders.

This separation is a core design principle. It is the reason why the legal structure and custody arrangements behind Twin Tokens matter as much as the technology.

This content is provided for information purposes only and does not constitute legal, tax, or financial advice. The treatment of assets in an insolvency depends on applicable law and the specific circumstances, and no guarantee is given as to the outcome.

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

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.