FAQs

Below is a list of our FAQs. Do not hesitate to query or ask anything in our community channels if your queries remain unanswered.

What is Zybra?

Zybra is a non-custodial high yield savings account that allows you to earn consistent high yields by leveraging a diverse portfolio of real-world assets (RWAs). Your deposits in USDC are used to invest in tokenized assets such as private credit, stocks from the Nasdaq 100, US Treasury bills (T-bills), and Gold. How do I acquire ZrUSD?

ZrUSD (Zybra Reserve USD) is a yield-bearing stablecoin minted when you deposit USDC into selected Zybra markets. It is fully backed by real-world assets, ensuring stability and transparency.

Hold ZrUSD to earn passive yield, use it in DeFi for additional rewards, and redeem anytime for USDC plus accrued returns. ZrUSD provides a stable, on-chain representation of your savings while generating yield. What is the expected APY?

Our platform offers competitive APYs, typically ranging between 5% and 20%, powered by a diversified portfolio of real-world asset-backed investments. Yields are consistently generated from stable assets, such as private credit, tokenized stocks, and T-bills, providing a reliable and transparent return. All performance data is accessible on-chain, giving users full visibility over their earnings. How are my deposits protected?

Your deposits in USDC are secured through overcollateralized mechanism backed by a variety of real-world assets. Each RWA and its collateral are transparently displayed on our platform, allowing you to verify performance in real-time. What is the relationship between RWAs and DeFi?

Our platform bridges the gap between traditional real-world assets and decentralized finance. By leveraging tokenized RWAs such as private credit, stocks, T-bills, and gold, we provide access to stable returns, previously only available to large institutions, in a non-custodial and permissionless way. This synergy allows users to benefit from the reliability of traditional financial instruments while enjoying the transparency and efficiency of DeFi. How are vaults structured?

All deposits are held in non-custodial smart contracts, ensuring full transparency and security. Each pool is carefully structured, with legal protections like bankruptcy-remote entities safeguarding your funds. This legal and structural framework ensures that even in adverse circumstances, your assets remain segregated and protected. What types of collateral are accepted?

We accept USDC as the deposit asset. Your USDC is diversified across a wide range of tokenized real-world assets, including private credit, stocks from the Nasdaq 100, US Treasury bills, and Gold. This blend of assets provides stability, liquidity, and reliable yield generation. All investments and collateral are transparently tracked and viewable on-chain, giving you real-time insights into your portfolio.