🟡 $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
ZybraVaultsmart 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
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
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