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.

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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.