ShieldRWA: A policy-driven settlement engine on Mantle. It closes the $10T institutional gap by embedding compliance, multi-role custody, and GAAP accounting directly into secure smart contract logic.
ShieldRWA is a policy-enforced settlement and custody infrastructure for Real-World Assets (RWAs), built to unlock institutional capital for on-chain finance without compromising compliance, security, or accounting standards.
While most RWA platforms focus on tokenizing assets, they fail to address the real blockers for institutions: custodial risk, regulatory exposure, auditability, and operational control. ShieldRWA transforms RWA tokenization from a passive digital wrapper into a governed financial primitive by embedding compliance, risk controls, and accounting logic directly into smart contracts.
Built on the Mantle Network, ShieldRWA replaces discretionary human trust with programmable policy enforcement, enabling regulated entities to safely interact with DeFi-grade infrastructure.
Regulated Assets Disclosure: ShieldRWA involves and manages regulated assets.
The project provides institutional-grade tokenization and settlement for the following asset classes:
US Treasury Bills (S-BILL): 3-Month sovereign debt, valued via Chainlink (Live). Corporate Bonds (S-TECH): Investment-grade debt (e.g., Apple), valued via Pyth Network. Invoice Factoring (S-INV4): SME trade receivables, valued via Trabal Attestations. Commercial Real Estate (S-REIT): Luxury property yields (Miami), valued via EstatePro Oracle. Compliance Framework: ShieldRWA is built on a "Policy-Driven" architecture. It implements mandatory on-chain compliance controls via the ComplianceVault smart account:
KYC/AML Registry: Entry gatekeeping where all users must pass identity verification before interacting with deposit or requestWithdrawal functions. Jurisdictional Fencing: Real-time bytecode-level blocking and whitelisting (e.g., North Korea, Iran, Russia) via the restrictedJurisdictions mapping. Tri-Layered Execution Pipeline: All withdrawals require (1) User Request, (2) COMPLIANCE_ROLE approval, and (3) OPS_ROLE finalization after a 24-hour mandatory timelock.
The Problem: The $10T Institutional Lockdown Regulated entities face four systemic barriers that make standard DeFi unusable:
Direct Custody Violations: Risk of "God Mode" admin keys rugging the treasury. The Compliance Black Hole: Legal liability for sanction contamination (OFAC). The Accounting Vacuum: Lack of GAAP-compliant reporting and ledger snapshots. Capital Destruction: Emerging market erosion due to local currency devaluation and lack of USD yield access. The Solution: The Guardian Architecture ShieldRWA (built on Mantle Network) is a policy-enforced settlement engine that replaces human trust with Programmable Policy:
Programmable Custody: Our multi-role pipeline (GOV, OPS, CMP) ensures funds can ONLY be settled back to the original authorized account after regulatory sign-off. NAV-Based Share Minting: Dynamic issuance tied to real-time valuation of both on-chain liquidity (USDC) and off-chain assets (RWA). GAAP Ledger Generation: Built-in "Institutional Financial Inventory" that exports on-chain events into QuickBooks (.QBO), Monthly Statements (PDF), and Tax Form 1099 formats.
ShieldRWA operates on a sustainable institutional fee structure:
AUM Fee: Annual management fee (e.g., 0.5% - 1.5%) on Total Value Locked (TVL). Withdrawal Fee: A default 10 bps (0.1%) fee on all settlements (capped at 5%). Performance Fee: A carry percentage on yield generated above benchmarks. Platform Licensing: Licensing the policy-driven smart account infrastructure to private institutional sub-networks.
Q1 2026 (Launch Phase): Deployment on Mantle Mainnet with initial S-BILL and S-REIT vaults. Q2 2026 (Asset Expansion): Underwriting for S-GOLD (Physical Gold) and S-SOLAR (Solar Farm Yield Fund). Q3 2026 (Regional Scaling): Launching liquidity bridges for LATAM and SE Asia, focusing on logistics finance. Q4 2026 (Fiat Integration): Direct settlement into traditional banking rails for instant institutional off-ramping.
Despite the multi-trillion-dollar potential of RWAs, institutional capital remains largely excluded from DeFi due to four systemic risks:
Custodial Fragility
Most DeFi pools operate under “god-mode” admin keys, creating single points of failure where compromised access can drain funds instantly.
Compliance & Jurisdiction Risk
Institutions face severe legal exposure when interacting with unidentified or sanctioned counterparties, with no reliable on-chain enforcement.
Accounting & Audit Gaps
Raw blockchain data does not map cleanly to GAAP or IFRS standards, making reconciliation, reporting, and audits costly and error-prone.
Capital Erosion in Emerging Markets
Treasuries and funds in volatile economies lack access to compliant, yield-bearing USD assets, leading to persistent loss of value.
ShieldRWA introduces a Guardian Architecture — a policy-driven settlement engine that governs assets across their entire lifecycle. Instead of allowing unrestricted asset movement, every critical action is routed through an enforceable, transparent control pipeline.
ShieldRWA implements a three-stage withdrawal and settlement pipeline:
Request Layer: Users initiate withdrawals, locking shares.
Compliance Layer: Requests are validated against current regulatory and policy rules.
Operational Layer: Funds are settled after a mandatory 24-hour cooldown and only to pre-authorized accounts.
This eliminates instant drains, insider abuse, and unauthorized exits.
Compliance officers can dynamically update restricted jurisdictions at the contract level. Addresses linked to blocked regions are automatically prevented from interacting with the protocol, ensuring real-time regulatory enforcement without manual intervention.
To prevent dilution, arbitrage, and stale pricing:
Share minting is tied to real-time Net Asset Value (NAV).
NAV combines on-chain liquidity with off-chain asset valuations (e.g., bonds, real estate, invoices).
Oracle heartbeat checks automatically freeze the protocol if valuation data becomes stale or unreliable.
ShieldRWA generates structured, exportable ledgers designed for institutional finance teams. On-chain activity can be translated into bank-style statements compatible with traditional accounting workflows, enabling clean audits and regulatory reporting.
Blockchain: Mantle Network (high-performance L2)
Smart Contracts: Solidity 0.8.20, OpenZeppelin (AccessControl, Pausable, ReentrancyGuard)
Security Model: Multi-role separation (Governance, Compliance, Operations)
Oracles: Chainlink / Pyth with heartbeat enforcement
Frontend: React + Vite, Wagmi, Framer Motion, institutional-grade UI design
Corporate Treasuries: Access compliant, yield-bearing tokenized U.S. Treasuries to hedge against local currency devaluation.
Real Estate Funds: Provide regulated global liquidity and automated yield distribution for property-backed assets.
Institutional Lending & Trade Finance: Manage risk-controlled exposure to SME invoices and real-world cash flows.
ShieldRWA is not just an RWA protocol — it is a compliance-first financial operating system for institutions entering on-chain markets.
By enforcing regulation, custody safety, and accounting integrity at the smart-contract level, ShieldRWA enables capital to move on-chain with the same confidence it has in traditional finance — but with the efficiency and transparency of DeFi.
ShieldRWA: Where Regulation Meets Performance.