The yield-bearing synthetic dirham
DRHM is an AED-pegged digital currency platform: par mint and redemption, four yield vaults over a multi-layer reserve, instant payments, remittance corridors, and on-chain savings circles — designed for the CBUAE PTSR framework with Shariah-aligned architecture.
Built by Veridian Protocol Technologies — FZCO (DIEZA, Dubai Silicon Oasis) as a demonstration asset. Veridian is a technology developer and IP vendor; the protocol is designed for operation by an appropriately licensed acquirer. All balances are simulated.
Protocol snapshot
simulated · updates liveOne protocol, four instruments
A payments token, three risk-tiered savings vaults, and a pure sovereign reserve token — all redeemable at par through the same reserve engine.
AED-pegged, freely transferable, redeemable at par. The payments and remittance rail.
Shariah-certified savings. 95% UAE sovereign sukuk + 5% DMCC gold.
Flagship vault. 80% sukuk + 10% perpetual hedge + 10% gold & trade finance.
DeFi-native yield. 50% sukuk + 30% perpetual hedge + 20% RWA.
A complete financial backbone
1:1 AED mint and redemption with oracle circuit-breakers and risk-sentinel pause controls.
ERC-4626 style vaults across three risk tiers plus a pure T-bill reserve token. Daily-accruing share price, cooldown-gated exit.
Instant P2P transfers by handle, recurring payment scheduler, programmable treasury sweeps.
UAE → India, Pakistan, Philippines, Bangladesh at 0.40% flat vs 3–5% traditional rails.
On-chain ROSCA: pooled contributions earn vault yield while queued, distribution enforced by contract logic.
Reserve allocation within governance bounds, AI treasury agent log, risk sentinel feed, institutional mint queue.
Built by Veridian. Operated by you.
This platform is a deployed demonstration of the DRHM protocol IP, available for acquisition or licensing by appropriately licensed operators. Veridian Protocol Technologies does not operate the protocol and does not hold CBUAE PTSR or VARA approvals.