INTRODUCTION
Your DeFi-Powered Savings Account for Emerging Markets
Last updated
Your DeFi-Powered Savings Account for Emerging Markets
Last updated
typically offer minimal interest rates, ranging from 0.01% to 0.5%, which fail to keep pace with inflation in most emerging markets, ultimately eroding purchasing power over time. Meanwhile, retail savers face significant barriers when trying to access higher-yield opportunities such as private credit markets, U.S. Treasury bills, precious metals or tokenized stocks, as these assets often require high minimum investments and are subject to restrictive regulatory frameworks. Zybra addresses this gap by curating yield-bearing real-world assets (RWAs) into a seamless, DeFi-powered savings account, enabling everyday users to benefit from financial products that were previously accessible only to institutional investors. Zybra is a non-custodial, high-yield savings account that enables users to earn consistent returns through ZrUSD stablecoin backed by a diversified portfolio of real-world assets (RWAs). When users deposit USDC, these funds are allocated, through smart contracts to selected markets with tokenized assets such as private credit, Nasdaq 100 stocks, U.S. Treasury bills and gold. Zybra’s account network position is managed through ZrUSD (Zybra Reserve USD), a yield-bearing stablecoin that is minted when users deposit USDC into selected Zybra markets. ZrUSD is fully backed 1:1 by real-world assets, ensuring stability and security. Users can hold ZrUSD to passively earn yield, deploy it in DeFi for additional rewards, or redeem it at any time for USDC along with accrued returns. This provides an on-chain representation of savings while continuously generating income.
