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