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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  1. INTRODUCTION

Problem statement

While DeFi offers access to stable, high-yield assets, it remains out of reach for the majority of the global population affected with high inflation and currency depreciation.

1 - Disconnected Financial Infrastructure

  • Over 2 billion people use mobile money globally, yet they are isolated from DeFi

  • DeFi protocols don’t natively integrate with mobile money wallets or USSD

  • There is no seamless path from a feature phone to a yield-bearing asset

2 - Barriers to DeFi entry

Complexity & crypto-native design

  • Requires private key management, dApp navigation, and DeFi literacy

  • Gas fees, wallet UX, and token bridges present steep learning curves

Smartphone & internet dependence

  • Most DeFi protocols (Aave, Compound, UniSwap) require consistent access to smartphones and data

  • Low connectivity regions (e.g. rural Africa, Southeast Asia, Latin America) are excluded by design

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Last updated 21 days ago