RWA Product Patterns

These examples show how the Phase 12 stdlib modules compose RWA registration, tokenized ownership, funds, and credit products.

Simplified FIDC

Use PublishRwaAsset to register each receivable or credit right, then use std.rwa.RwaFund as the pooled vehicle:

import std.rwa.RwaFund

contract SimpleFidc impl RwaFund:
    @tx
    def subscribe(rwa_id: String, amount: u128, nav_value: u128):
        self.deposit(rwa_id, amount, nav_value)

deposit updates holdings and investor units, emits a ProductReceipt, and produces accounting posts visible in simulation before deploy.

CRI

Register the CRI metadata with PublishRwaAsset, then expose holders through std.rwa.RwaToken:

import std.rwa.RwaToken

contract CriShare impl RwaToken:
    @tx
    def issue_share(holder: Address, shares: u128, backing: u128):
        self.issue(holder, shares, backing)

nav() returns the backing value per share scaled by 1_000_000.

Nota Promissoria

Use std.credit.TermLoan for a fixed maturity note:

import std.credit.TermLoan

contract PromissoryNote impl TermLoan:
    @tx
    def issue_note(lender: Address, borrower: Address, amount: u128, rate_ppm: u128, term_end: u128):
        self.originate(lender, borrower, amount, rate_ppm, term_end)

amortize(amount) supports partial repayment and balanceOf(borrower) returns the remaining debtor balance.