Value Proposition

A modular, programmable infrastructure layer that makes real-world asset yield accessible to all users, regardless of device or connectivity, via ZrUSD, a yield-bearing stablecoin in USSD session

🔐 Through its USSD and mobile money integrations, ZrUSD becomes accessible to mobile-first populations who do not use smartphones or crypto wallets:

• Backed 1:1 by tokenized RWAs

• Transparent, composable, and on-chain

• Abstracted and accessible to all user segments

Why choose Zybra?

Feature	Zybra	Neobanks	Traditional Banks	Crypto Wallets
USSD Interface	✅	❌	✅	❌
RWA Yield	✅	❌	❌	✅
Self-Custody	✅	❌	❌	✅
Mobile Money On/Off Ramp	✅	✅	✅	❌
Works Without Internet	✅	❌	✅	❌

ZrUSD is a yield-bearing stablecoin representing on-chain savings and should not be confused with USDC, USDT, or any other third-party stablecoin.