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
Powered by GitBook
On this page
  1. PRODUCT
  2. DeFi Layer

Zybra Platform

Zybra is the most accessible platform to earn real-world asset-backed yield.

It introduces a decentralized savings protocol and infrastructure layer that connects users: both mobile-first and crypto-native users; to actively managed, yield-generating real-world assets. Through a dual-access model ( USSD/mobile money and Web3 wallets ), Zybra offers exposure to tokenized private credit, U.S. Treasuries, and equities, with deposits denominated in local fiat via mobile money or USDC stablecoins.

What makes Zybra a platform infrastructure model not Just an App?

Zybra is not a single savings product; it is a decentralized infrastructure layer for real-world asset (RWA) yield distribution. What distinguishes Zybra as a protocol platform rather than just a set of interfaces is the following:

  • Modular market access: Users interact with curated RWA vaults powered by vetted and regulated DeFi protocols (initially Centrifuge and Swarm), each governed by transparent risk parameters and on-chain allocation logic.

  • Policy enforcement via smart contracts: ZrUSD vaults are governed by immutable smart contract rules that restrict capital deployment to approved yield strategies, ensuring user funds cannot be diverted off-platform or misallocated.

  • Unified interface across access types: Whether USSD on a feature phone or via Web3 wallet, users receive a consistent experience; checking balances, deposits, withdrawals, and earnings growth from the same protocol backend.

  • Transparent yield composition: ZrUSD balances are traceable to underlying RWA exposure (e.g., T-bills, private credit), with clear breakdowns of asset class and performance available to advanced users via the web app.

  • Seamless strategy migration: Users can move capital between RWA strategies (e.g., from tokenized credit to gold-backed yield) without leaving the Zybra ecosystem, with balances unified and reflected in a single zRUSD position.

Zybra is designed as universal financial infrastructure that enables third-party apps, wallets, and telco-integrated channels to plug into real-world yield, securely and transparently.

PreviousContractsNextVault System

Last updated 21 days ago