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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