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🟡 $ZrUSD

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

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Last updated 21 days ago

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