What Requires Whitelisting
Minting and redemption through Theo's contracts requires a whitelisted wallet:
thUSD — Whitelisting required to mint 1:1 with USDC/USDT and redeem.
thBILL — Whitelisting required (KYC for individuals, KYB for institutions) to mint and redeem via the ULTRA fund.
thGOLD — Whitelisting required. Institutional and accredited investors only.
Non-whitelisted wallets will see a disabled state on the mint page.
What Does NOT Require Whitelisting
Buying or selling thUSD or thBILL on secondary markets (Uniswap v4, Morpho, Pendle, etc.)
Staking thUSD into sthUSD
Unstaking sthUSD back to thUSD
Bridging tokens across chains
Holding any Theo token
How to Get Whitelisted
There is no self-serve KYC flow on the Theo app. To request whitelisting for minting and redemption, contact the Theo sales team via the "Get in Touch" link on theo.xyz.
Whitelisting is wallet-specific. A different wallet requires a separate request. While waiting for approval, you can buy and stake Theo tokens on secondary markets without restriction.