Everything you need to know about Theo Xyz — the full-stack platform connecting onchain capital to global financial markets.
Common Questions
Theo Xyz is a full-stack platform that bridges onchain capital with global financial markets. It enables users to access institutional-grade financial instruments — such as US Treasury funds — directly through blockchain infrastructure. By depositing supported assets, users receive tokenized fund shares that accrue yield over time. Theo Xyz handles custody, compliance, and settlement, so investors can benefit from real-world financial products with full onchain transparency.
thBILL is the flagship tokenized fund product offered by Theo Xyz. It represents shares in the Theo Short Duration US Treasury Fund, which invests primarily in money market instruments and short-duration US Treasury securities. Each thBILL token tracks the Net Asset Value (NAV) per share of the fund. As of the latest update, the NAV per share is approximately $1.0217, with the fund holding over $132 million in total value locked. thBILL is available on Ethereum, Base, Arbitrum, and Hyperliquid networks.
Theo Xyz currently supports four major blockchain networks: Ethereum, Base, Arbitrum, and Hyperliquid. This multi-chain approach ensures that users across different ecosystems can access Theo Xyz's tokenized treasury products without needing to bridge assets to a single chain. Each network is chosen for its security, liquidity depth, and developer ecosystem. Additional networks may be added in the future as Theo Xyz continues to expand its infrastructure.
Theo Xyz operates a points program that rewards users for participating in the ecosystem. Points can be earned by depositing into thBILL and other Theo Xyz products, inviting new users through the referral program, and engaging with the platform over time. Points are tracked on your dashboard under "Total Points." While the full utility of points is subject to future announcements, they are expected to play a role in governance, fee discounts, or token distribution events. Visit the Invite page to grow your points through referrals.
Theo Xyz is designed with institutional-grade security practices. The underlying assets in thBILL are invested in short-duration US Treasury securities and money market instruments — among the safest fixed-income assets in the world. Smart contracts powering Theo Xyz are audited by reputable third-party security firms, and fund operations are subject to regulatory compliance procedures. However, as with all financial products, users should review the documentation at docs.theo.xyz and understand the risks before depositing capital.
Getting started with Theo Xyz is straightforward. Visit the Theo Xyz dashboard at theo-xyz.net and click the "Connect Wallet" button in the top-right corner of the interface. Theo Xyz supports all major Web3 wallets including MetaMask, Coinbase Wallet, WalletConnect-compatible wallets, and more. Once connected, you can view your portfolio, deposit into thBILL, track your points balance, and invite friends. Make sure your wallet is set to a supported network before interacting with the protocol.
The Theo Xyz thBILL fund maintains a conservative and transparent asset allocation. Currently, approximately 97.62% of the fund ($129.55M) is allocated to Money Market instruments, providing stable, short-duration yield. Around 2.38% ($3.16M) is held in Cash to maintain liquidity and facilitate efficient redemptions. A small portion may be in Pending status during deposit processing periods. This allocation is displayed in real-time on the Theo Xyz dashboard, giving users full visibility into where their capital is deployed at any given time.
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