INTRODUCTION
Zybra Protocol Infrastructure Documentation - Version 1.2
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:
Underserved mobile money users via Unstructured Supplementary Service Data (USSD), no crypto/Web3 knowledge, no internet or smartphone required
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.
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