Zybra general documentation
  • INTRODUCTION
    • Problem statement
    • Value Proposition
  • PRODUCT
    • Product Architecture
    • DeFi Layer
      • Markets
      • Contracts
      • Zybra Platform
        • Vault System
        • Vault Deposit Flow
        • Vault Withdrawal Flow
        • KYC & AML Compliance
      • Protocol Design
        • 🟡 $ZrUSD
        • 🟢 $ZFI
    • UI/UX Layer
      • Integration Partners
    • Roadmap
  • DISCLOSURE STATEMENTS
    • Legal
    • Terms of Use
    • Privacy Policy
    • Risks
  • SECURITY
    • Audits and Bug Bounty
  • USER GUIDES
    • Onboarding to Zybra
  • RESOURCES AND LINKS
    • FAQs
    • Links
    • Brand Kit
    • Telegram
    • X(Twitter)
    • Discord
    • Blog
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INTRODUCTION

Zybra Protocol Infrastructure Documentation - Version 1.2

NextProblem statement

Last updated 19 days ago

Zybra is financial infrastructure designed to make decentralized finance (DeFi) accessible to everyone, regardless of device, connectivity, or geography. It is a non-custodial savings protocol that generates yield from tokenized real-world assets (RWAs) including U.S. Treasuries, private credit, gold, and public equities; and exposes that yield to two types of users:

  1. Underserved mobile money users via Unstructured Supplementary Service Data (USSD), no crypto/Web3 knowledge, no internet or smartphone required

  2. Crypto-native users via traditional Web3 wallets (MetaMask, WalletConnect) accessed through DeFi engine

The protocol bridges the gap between on-chain DeFi yields and mobile-based off-chain financial rails through a modular architecture consisting of:

  • A DeFi Protocol Layer for RWA yield aggregation and smart contract operations

  • A UI/UX Layer that interfaces with mobile money, USSD, and SMS to provide DeFi access to over 2 billion people across Africa, Asia, and Latin America

Zybra is a new primitive integrated into local financial ecosystems and serves as the backend yield engine for future DeFi, and savings products globally, to be as accessible as a text message: no apps, no wallet setups, no internet required.