Areal Finance
RefundingB1Voluntary transparency disclosure following the Blockworks Token Transparency initiative.A DeFi Hub for real-world assets — real yield, governed by markets
$1k3%
$50kraise goal
Raise Unsuccessful
Committed$1,350.00
Funders4
Raise Goal$50k
This raise did not reach its goal. All committed USDC is being returned to contributors. to claim your refund.
About
AREAL Finance
The RWA DeFi Hub — Real Yield, Real Ownership, Real Governance
One protocol to unify real-world asset liquidity, distribute real yield, and govern capital through prediction markets — not politics.
Round: Pre-Seed
Stage: Proven concept with a completed pilot — tokenization of a vehicle in Dubai. Now focused on shipping the product, executing the second RWA pilot, and integrating the legal structure for token issuance.
Hard Cap: $50,000 Runway: 6–8 months at current burn rate — sufficient to deliver MVP, tokenize the first assets, and begin the next fundraising round.
The Problem
The RWA sector is broken in three fundamental ways:
Fragmented Liquidity — Every RWA protocol issues separate tokens per asset, creating dozens of isolated micro-liquidity pools. Capital is trapped. Price discovery fails. Yield stays siloed.
Opaque Yield — Revenue flows are managed off-chain with no visibility for token holders. There's no standardized system — just trust assumptions where verification should be.
Broken Governance — Decisions are driven by whoever is loudest, not whoever is most informed. Voter apathy, governance capture, and narrative-driven capital allocation erode long-term value.
The Solution
AREAL is a full-stack on-chain protocol that solves all three — through one unified system:
| Pillar | What It Does |
|---|---|
| RWT (Real World Token) | Aggregates yield from all RWA projects into a single, appreciating token — eliminating liquidity fragmentation |
| Native DEX | Purpose-built exchange that passes embedded yield to LPs — not just swap fees |
| Futarchy Governance | Replaces voting with prediction markets — decisions are evaluated by expected economic outcomes, not popularity |
Target Market
Primary Users:
- Crypto-native investors seeking stable, real yield without active trading
- Freelancers & digital nomads looking for compounding income from real economic activity
- AI agents — AREAL's architecture is designed from day one for autonomous portfolio management
Competitive Edge:
- Only protocol that unifies RWA liquidity into a single appreciating token
- Only protocol using futarchy for RWA governance — decisions backed by economic stakes, not votes
- No staking required — hold tokens, earn yield every second, claim anytime
- Yield pass-through DEX — LPs earn swap fees + embedded token yield + protocol incentives
Use of Funds — $50,000
Allocation Breakdown
| Category | Allocation | Amount | Purpose |
|---|---|---|---|
| Balance Treasuries | 80% | $40,000 | DAO treasury reserves backing RWT value and protocol operations |
| Protocol Liquidity | 20% | $10,000 | Initial DEX liquidity for ARL |
Spending & Governance
Current spending is focused exclusively on smart contract development and deployment. The team operates in bootstrapping mode — no overhead, no office, no excess.
Detailed spending limits and budget allocation will be formalized through a DAO governance proposal once the futarchy framework is live. Until then, all capital is directed at three priorities: ship the product, execute the second RWA pilot, integrate the legal layer.
This capitalization is sufficient to reach the next milestone. After delivering the full product with DEX, RWT-Wallet, and tokenizing the first assets, the project will be positioned to raise a seed round for further growth.
Current Traction
- Completed pilot: Vehicle tokenization in Dubai — full cycle from asset registration to token issuance
- Protocol design: Architecture, tokenomics, and governance model fully documented
- Pre-seed: Raising $50,000 to launch the full product and tokenize first assets
Roadmap
Now → Q2 2026 — Full Product Launch
- ARL token launch
- Full product: RWT Engine, Platform
- Legal structure for DAO Ownership Companies
- Yield distribution system
Q3–Q4 2026 — Growth & Legalization
- Additional RWA projects onboarded
- Full legal framework for multi-jurisdiction token issuance
- Native DEX with concentrated liquidity pools
- Futarchy governance framework
- Treasury active management
2027 — Scale
- RWA Launchpad — turnkey infrastructure for new projects
- AI agent integration for vault & LP operations
- Cross-chain expansion
Links
| Website | areal.finance |
| Documentation | docs.areal.finance |
| X (Twitter) | @arealprotocol |
| GitHub | github.com/arealfinance |
IP & Legal
All intellectual property associated with the AREAL Finance project will be assigned in full to the AREAL DAO Cayman SPC entity upon its formation.
This includes the GitHub organization (github.com/ArealFinance) and all repositories containing project source code and documentation, the primary domain areal.finance along with any subdomains and future domain acquisitions,all brand assets including the AREAL logo (blue and white SVG variants),wordmark, design system (primary color #a56eff), favicons, and visual identity materials, the X (Twitter) account @arealprotocol and any other social media accounts associated with the project.
Upon deployment, all Solana on-chain programs — the Native DEX, RWT Engine, Futarchy Governance module, and Yield Distribution system — will have their upgrade authority assigned to a DAO-controlled multisig held by the SPC entity. All program IDs, signing keys, and administrative privileges will be included in the transfer.
All cloud infrastructure deployed for AREAL Finance, including hosting accounts, databases, RPC provider subscriptions, CI/CD pipelines, and third-party service accounts, will be transferred to the DAO entity in full.
No trademarks have been filed for "AREAL", "ARL", or "RWT" and no patents are filed or pending. The codebase is currently licensed under MIT. The DAO entity will hold admin control over all repositories, retaining the authority to modify licensing terms through governance. Any proprietary components will be assigned via IP assignment agreement.
The Cayman SPC entity holds this IP on behalf of the DAO, ensuring token holders have clear, enforceable rights to everything that has been built.
Details
Implied FDV$129K
Launch Price$0.005
Raise Goal$50k
FDV Calculation
Launch Price$0.005
× Total Supply25.8M
= Implied FDV$129K
Supply Breakdown
Initial Float (38.8%)10.0M
Performance Package (50.0%)12.9M
Meteora LP (3.5%)900,000 at $0.005
Futarchy AMM (7.8%)2.0M + $10K
Total Supply25.8M
Governance & Vesting
Monthly Spending Limit$5k
The team can spend up to this amount per month from the treasury without a governance proposal. Larger expenditures must be approved by token holders.
Team Token Unlock
Team tokens are locked for an 18-month cliff. After the cliff, the team can trigger a 3-month TWAP evaluation. Tokens unlock in 20% tranches at each price milestone relative to the ICO price of $0.005.
| Tranche | Price Target | Unlocked |
|---|---|---|
| 2× ICO price | $0.01 | 20% |
| 4× ICO price | $0.02 | 40% |
| 8× ICO price | $0.04 | 60% |
| 16× ICO price | $0.08 | 80% |
| 32× ICO price | $0.16 | 100% |
Each tranche unlocks 20% of team tokens. The price target is measured via a 3-month time-weighted average price (TWAP) to prevent short-term manipulation.
Token
Base Mint
Contributors(4)
B1 Token Transparency Filing
Voluntary transparency disclosure following the Blockworks Token Transparency initiative.
Areal Finance is a full-stack on-chain protocol for launching, managing, and scaling real-world asset (RWA) projects on Solana. It provides a unified liquidity layer, yield distribution model, and futarchy-based governance system — replacing fragmented RWA infrastructure with a single composable hub. The protocol solves the core problem of tokenized real-world assets today: liquidity is scattered across isolated projects, yield is opaque, and governance defaults to plutocratic token voting.
Areal Finance unifies this through RWT (Real World Token) — a yield-bearing flatcoin backed by a diversified portfolio of ownership tokens — a native DEX purpose-built for yield-bearing assets, and a governance model where decisions are made by conditional prediction markets rather than simple votes. The mission is to build wealth accumulation infrastructure for real economic assets, not another trading platform.
The core team consists of two founders covering business and technology.
Artsiom Hnatsiuk (CEO) leads operations, business development, and investor relations. His background is in real-world asset tokenization — in 2020 his team won the SAP hackathon, followed by collaboration with major CIS-region banks on tokenization lab initiatives. This hands-on experience with institutional tokenization infrastructure led directly to building AREAL as an independent protocol.
Evgeny Solomein (CTO) serves as Chief Development Officer and technical lead, bringing deep experience in blockchain systems engineering and protocol architecture. Together the two founders cover the full spectrum of expertise required to build and ship the protocol.
The team intends to stay lean and highly specialized, expanding selectively with additional talent as the project scales.
(a) IP ownership & control — The project's intellectual property, including codebases/repos and any associated trademarks/brands, is held by a Cayman Islands SPC (Segregated Portfolio Company) formed via MetaLeX. The SPC is governed by the DAO.
(b) Contract/admin powers — Governance is fully onchain and permissionless via the MetaDAO futarchy protocol on Solana. Token holders make decisions by trading conditional outcome tokens on proposal markets. Proposals pass or fail based on market-determined price impact on the project's token. There is no multisig, council, pause/upgrade roles, or centralized admin authority — all decisions are made through futarchy (market-based governance).
(c) Locked-token rights — The price-based performance premine tokens are locked with a minimum 18-month cliff and unlock based on sustained price performance milestones. Locked token holders do not have additional governance or decision-making rights beyond what unlocked token holders have. Locked tokens cannot vote or participate in governance until unlocked.
(d) Value accrual & holder rights — Token holders govern the DAO treasury through futarchy-governed proposals. The DAO treasury funds development directly — there is no separate development company. Revenue distribution and treasury allocation decisions are made via onchain governance proposals.
(e) Dissolution authority — Dissolution of the DAO would require an onchain futarchy governance proposal passed by the market. The Cayman SPC legal wrapper can be wound up per its constitutional documents as directed by DAO governance.
Each project launched through MetaDAO Accelerated has a Cayman Islands SPC (Segregated Portfolio Company) entity formed via MetaLeX. The entity holds the project's intellectual property and is governed by the DAO. There is no separate development company — the DAO treasury funds development directly through futarchy-governed proposals.
(a) Launch supply totals — 25,800,000 total tokens at launch. 10,000,000 tokens issued to ICO participants (unlocked). 2,900,000 tokens issued as protocol-owned liquidity (locked in pools). 12,900,000 tokens allocated as a price-based performance premine (locked with minimum 18-month cliff).
(b) Recipient categories & use of funds — • ICO Participants (10,000,000 tokens): Distributed pro-rata to all participants of the permissionless ICO based on contribution. Tokens are immediately unlocked. • Protocol-Owned Liquidity (2,900,000 tokens): 2,000,000 tokens paired with 20% of funds raised through the ICO in a liquidity pool. 900,000 tokens placed in a single-sided liquidity pool on Meteora. These tokens provide onchain trading liquidity. • Team / Performance Premine (12,900,000 tokens): Allocated to the founding team, subject to price-based vesting. Tokens unlock only if sustained price performance milestones are met.
(c) Initial price per token — Determined at ICO close based on total funds raised divided by 10,000,000 ICO tokens.
(d) Ticker / market symbol — ARL
(e) Total supply & supply regime — 25,800,000 total supply. The supply is fixed — there is no inflation or deflation mechanism.
(f) Initial vesting / release schedules — ICO participant tokens and protocol liquidity tokens are not subject to vesting. The team performance premine has a minimum 18-month cliff. The allocation is divided into 5 tranches of 20% each, unlockable after a 3-month TWAP evaluation period at price multiples of 2×, 4×, 8×, 16×, and 32× relative to launch price. The TWAP oracle can be called at any time but triggers a 3-month evaluation window before tokens are released.
There are no airdrops as part of the MetaDAO Accelerated ICO process. All token distribution occurs through the permissionless ICO mechanism. Any future token distributions would need to be passed via DAO governance proposal following the ICO and are not part of this launch.
There are no market maker agreements. Liquidity is provided through the Accelerated launch mechanism's built-in liquidity pool, which receives 20% of funds raised. There are no token loans, OTC deals, or designated market maker arrangements.
There are no CEX listing agreements. The token trades onchain on Solana DEXs from the moment of launch. No listing fees have been paid, and no exchange has been granted tokens or preferential access.
Series Name: MetaDAO Presale Vehicle: MetaLex powered Cayman Segregated Portfolio Company / Segregated Portfolio Start Date of Sale: [To be determined at launch] Number of Tokens Sold: 10,000,000 ARL tokens distributed to ICO participants pro-rata based on contribution. Vesting Schedules: There are no vesting schedules for ICO participant tokens. All tokens distributed through the presale are immediately unlocked and freely transferable at the conclusion of the ICO.
There are no prior SAFTs, SAFEs, convertible notes, private placements, or other fundraising rounds preceding this launch. No tokens were sold or distributed before this presale.
No security incidents, exploits, or hacks have affected the AREAL project. The protocol is currently in the pre-deployment stage with no smart contracts live on mainnet, so there has been no attack surface exposed to date. Prior to mainnet launch, all on-chain programs will undergo professional third-party security audits.
Participants should be aware of the following material risks. On the regulatory side, the legal treatment of tokenized real-world assets varies by jurisdiction and remains uncertain — changes in securities law, AML/KYC requirements, or blanket restrictions on digital assets in any relevant jurisdiction could materially impact the protocol's operations or token value.
On the technology side, the protocol relies on Solana blockchain infrastructure and smart contracts that, despite audits, may contain undiscovered vulnerabilities; oracle dependencies for pricing and yield data introduce additional attack vectors.
On the token economics side, RWT value is anchored to the NAV Book Value of underlying real-world assets, which are themselves subject to market risk, illiquidity, and valuation uncertainty — there is no guarantee that RWT will maintain its peg or that yield from underlying assets will meet expectations.
The protocol does not guarantee returns of any kind. Additionally, the project is at an early stage with a small core team, which introduces key-person and execution risk. All participation is at the participant's own risk and does not constitute an investment contract or financial advice.
Legal Terms & Disclosures
By contributing to the fundraise for tokens ("Tokens"), you acknowledge and agree to the Futardio Terms of Service. Without limiting the foregoing, you also acknowledge and agree to all of the following information, terms and conditions:
The above descriptions, terms, and other content were created, determined, and supplied exclusively by prospective project contributors related to the ICO and are being republished on futard.io for convenience of reference only, as third-party content. Furtard.io is a technology platform being used by the prospective project contributors, and the owners and operators of Fudardio.fi and their respective affiliates are not the persons creating, endorsing, sponsoring, or discretionarily operating the ICO. Fudard.io and its owners and operators and their respective affiliates assume no (and by participating in the ICO or otherwise using futard.io, you agree that they shall not have any) responsibility or liability for the accuracy or completeness of the above descriptions, terms and other content, or any other representations, statements, opinions, projections, terms, or information made by or on behalf of the prospective project contributors in connection with the ICO.
The following terms and conditions apply between you, on the one hand, and, on the other hand, both the owners and operators (and their affiliates) of Futard.io or MetaDAO and the prospective ICO project contributors and related legal entity(ies) and their respective affiliates:
-
No Guarantees. The Tokens are provided on an "as-is" and "as-available" basis. Participation in the fundraise does not come with any guarantees, promises, or assurances of any kind, including—but not limited to—financial return, performance, future utility, or access to any platform, product, or service.
-
Not an Offer of Securities. The Tokens do not represent a security, equity, loan, or ownership interest in any entity or project. Participation in this fundraise is not intended to be, and shall not be construed as, an offering of securities, nor does it constitute an offer or solicitation in any jurisdiction where such activity is unlawful. You are responsible to refrain from participation in the ICO if your jurisdiction does not permit such participation.
-
Final Sale. All contributions made as part of the fundraise are final and non-refundable. By participating, you understand and accept that you will not be entitled to a refund or compensation under any circumstances, including but not limited to loss of value or inability to use the Tokens.
-
No Liability for Losses. To the fullest extent permitted by applicable laws, neither the organizers of this fundraise nor any of their affiliates, agents, advisors, officers, or representatives shall be liable for any direct or indirect loss or damage you may suffer, including without limitation: trading losses, loss of data, revenue, profit, or opportunity; or any errors, delays, or technical failures related to the fundraise or the Tokens.
-
Nature of Token MetaDAO Platform ICOs. You acknowledge and agree that the ICO is a transaction entirely by and among ICO participants, in which such participants contribute certain blockchain tokens into the sole control or custody of Solana-based "smart contracts" or "programs" as a method of establishing a decentralized autonomous decision market oriented toward the research, development, promotion and/or utilization of the above-described project. The ensuing market oracle–sometimes also referred to as a type of "DAO"-- is intended to govern both the deposited tokens and aspects of the related project, using "Futarchy". These smart contracts or programs exist independently of Futard.io or MetaDAO, on the Solana blockchain, and do not have a legal "owner" or "custodian", but instead will be controlled by the market-based governance process embedded in the decision market protocol, as expressed in the code of the smart contracts/programs. The deposited tokens do not represent a capital investment in any legal entity (including the legal entity referred to in the following paragraph) or group of managers or entrepreneurs, and the decision market may revoke funds out of the pool at any time, or may cease using the funds for the currently contemplated project or using them to pay the currently contemplated prospective project contributors, and may instead use them for other purposes, as determined by the decision market oracle aka "DAO." The current prospective project contributors will not immediately own or have any discretionary or managerial control of the deposit pool, and any related services such prospective project contributors provide will be on an independent contractor basis to the community, as determined on an ongoing basis by the decision market oracle aka "DAO." The tokens issued by the program/smart contract in exchange for deposited funds are not initially owned by, and are not being sold or offered by, Futard.io or MetaDAO or the prospective project contributors or any related entity(ies), but rather are issued by the smart-contract/system itself to enable ongoing functionality of the related decision market oracle aka "DAO". Any funds received from the deposit pool by the current prospective project contributors or future project contributors represent retroactive or prospective compensation for work done or to be done by such project contributors that is approved by the related decision market oracle aka "DAO", on the initiative of, and based on the managerial or entrepreneurial efforts of, participants in that market aka "DAO participants".
-
DAO-Adjacent Entity aka BORG. One or more members of the prospective project contributors may have established a particular type of legal entity related to the project. These entities, known as cybernetic organizations, aka 'BORGs", hold intellectual property related to the project and may receive the funds, if any, determined by the decision market oracle to be paid to the prospective project contributors as compensation for work done or to be done related to the project. BORGs contain special rules designed to provide accountability of project contributors to the community, including prohibiting the issuance of equity securities and requirements to consult the decision market oracle (sometimes on a signaling basis, sometimes on a binding basis) for decisions related to their work on the project and the related intellectual property and assets. Many of these entities are "segregated portfolios" of a Cayman Islands entity called Futarchy Governance SPC. Segregated portfolios provide separate layers of assets and liabilities within this entity, and each particular segregated portfolio is managed in the sole discretion of its "Manager(s)", subject to the terms and conditions of Futarchy Governance SPC and the Operating Agreement of that specific segregated portfolio. The ICO does not represent an investment in the SPC or segregated portfolio, and participants in the ICO and holders of the tokens being issued in the ICO do not have any legal rights in or ownership of the SPC or segregated portfolio, and are not owed any fiduciary or other duties by the participants in the SPC or segregated portfolio, but the SPC, in respect of the segregated portfolio, is legally required to abide by certain determinations of the decision market created by the ICO. Please review the project description above to determine the specific legal entity(ies) or other arrangements identified by the prospective project contributors. You hereby acknowledge and agree that you have reviewed, or had the opportunity to review, the information and documents presented or linked to from that description and acknowledge, consent to and accept the risks of all related legal entities and arrangements.
-
Understanding the Mechanism. This is an onchain fundraising mechanism with a fixed token supply and an uncapped USDC raise. A minimum funding threshold applies. There is no in-protocol cap on the amount that may be claimed beyond the stated minimum. If the minimum funding threshold is not reached, all contributed funds will be returned to participants. By participating, you confirm that you understand the program and have reviewed the relevant documentation available at https://docs.metadao.fi.
By contributing or attempting to contribute to the fundraise for Tokens, you confirm that you have read, understood, and accepted the terms above.