HarborYield

HarborYield is a privacy-first cross-chain investment platform that makes real-world asset (RWA) investing simple, private, safe, and strategy-driven. Instead of forcing users to pick individual tokens, HarborYield helps anyone build a diversified portfolio across five tokenized asset categories: Funds, Real Estate, Private Credit, Commodities, and Equities—focused on stable value and sustainable yield.

Users select a risk profile (Defensive, Conservative, Balanced, Growth, Aggressive) and immediately see a target allocation based on best practices from mutual and hedge fund portfolio construction. The app compares the user’s current holdings vs. the target model and generates a clear Portfolio Health Score that reflects allocation drift, concentration, and overall diversification. With one click, users can rebalance back toward their chosen strategy, making professional-grade portfolio discipline accessible to retail investors.

HarborYield also surfaces real yield in a straightforward way: users can track income earned and claim available payouts directly from their portfolio dashboard. The result is an easy-to-understand, non-volatile DeFi experience that brings institutional-style asset allocation, risk awareness, and transparent on-chain yield to tokenized RWAs.

We brainstormed first of all the product that is actual for now and at the same time tackle real-world problem. After 1 day of ideas and fetaure discussion we decided to build that we could n't find on the market. And we also meet momentum with tokenization trend acceleration.

We use 4 EVM chains:

• Ethereum (Sepolia)
• Amoy (Polygon)
• BSC

and Oasis Network (OPL) as a cross-chain and privacy layer.

We used React and Next.js, Remix for smartcontract an Render.com as a backend. Also we prototyped in Figma and created design of the website with Figma Make.

We created a product that resolve current problems:

• Cross chain frictions and defragmentation
• Privacy
• Complexity on RWA market
• retai investors can't access (invest in) lucrative alternative assets

We also wrote the manifesto, chack it out https://harbory.xyz/manifesto