Product Architecture

Architecture Overview

1- DeFi Protocol Layer

  • Manages smart contracts, asset strategies, and yield generation

  • Connects with RWA protocols such as Centrifuge (private credit) and Swarm Markets (tokenized securities)

  • Mints and redeems ZrUSD, the yield-bearing stablecoin

2- UI/UX Layer

  • Abstracts blockchain complexity behind USSD, SMS, and mobile money interfaces

  • Enables deposit/withdrawals via a feature phone

  • Powered by backend API services that convert user actions into blockchain interactions

3- Orchestration Layer

  • Relayer and meta-transaction systems

  • Maps mobile numbers to shadow wallets

  • Ensures off-chain user interactions are synced with on-chain state

4- Settlement Layer

  • Liquidity pools for zRUSD ↔ USDC

  • Fiat bridges to mobile money via Kotani Pay and Yellow Card

  • Handles KYC, FX conversion, and stablecoin issuance

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