UI/UX Layer

This layer abstracts DeFi access into the simplest possible interface: a feature phone. It is composed of three technical subcomponents:

1- USSD Menu Interface

• Powered by Kotani Pay and Yellow Card's programmable USSD gateway

• Users dial a short code (e.g., *889#) and follow simple menu flows:

Zybra USSD menu log

• Each action translates into a backend call that maps to a blockchain transaction

2- SMS Notifications

• Users receive weekly balance updates, deposit confirmations, and yield accrual alerts

• Localization supported (e.g. Swahili, Hausa, Spanish)

3- Mobile Money Deposit/Withdrawal

• Yellow Card APIs and Kotani Pay facilitate:

  • Fiat ↔ USDC conversions

  • Secure, real-time mobile money interactions

  • Agent-based onboarding (future extension)