🟡 $ZrUSD

ZrUSD is Zybra’s native yield-bearing stablecoin. It is designed to reflect net asset value growth from underlying RWA yield sources.

ZrUSD Stablecoin Mechanics

Issuance

• Minted when users deposit USDC (on-chain) or fiat (via mobile money)

• Fully backed 1:1 by a diversified portfolio of real-world assets

• Minted via ZybraVault smart contract, adhering to ERC-4626

Yield accrual model

ZrUSD follows a rebasing or scaling share model (configurable by network):

• For mobile users: balance updates sent via SMS, computed via backend Oracle sync

• For Web3 wallets: ZrUSD increases in wallet balance (rebasing) or NAV/share grows

Properties

Feature	Description
Backed	Tokenized RWAs (credit, equities, gold, T-bills)
Non-Custodial	All assets held in smart contracts
Redeemable	For USDC (on-chain) or local fiat (off-chain)
Composable	Can be used in other DeFi protocols
USSD compatible	Exist in USSD session, no internet required