Zybra general documentation
  • INTRODUCTION
    • Problem statement
    • Value Proposition
  • PRODUCT
    • Product Architecture
    • DeFi Layer
      • Markets
      • Contracts
      • Zybra Platform
        • Vault System
        • Vault Deposit Flow
        • Vault Withdrawal Flow
        • KYC & AML Compliance
      • Protocol Design
        • 🟡 $ZrUSD
        • 🟢 $ZFI
    • UI/UX Layer
      • Integration Partners
    • Roadmap
  • DISCLOSURE STATEMENTS
    • Legal
    • Terms of Use
    • Privacy Policy
    • Risks
  • SECURITY
    • Audits and Bug Bounty
  • USER GUIDES
    • Onboarding to Zybra
  • RESOURCES AND LINKS
    • FAQs
    • Links
    • Brand Kit
    • Telegram
    • X(Twitter)
    • Discord
    • Blog
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  1. RESOURCES AND LINKS

FAQs

Below is a list of our FAQs. Do not hesitate to query or ask anything in our community channels if your queries remain unanswered.

What is Zybra? Zybra is decentralized financial infrastructure that enables users, regardless of device or connectivity; to earn yield from real-world financial assets. Through its protocol, users can access a non-custodial savings experience backed by tokenized U.S. Treasuries, private credit, and public equities. Zybra is accessible via both Web3 wallets (e.g., MetaMask) and USSD/mobile money, making it the first DeFi-native savings platform usable from a basic feature phone, without internet or a crypto wallet.

How do I acquire ZrUSD? ZrUSD (Zybra Reserve USD) is a yield-bearing stablecoin minted when users deposit USDC (on-chain) or local fiat (off-chain via mobile money) into Zybra’s savings system. It is fully backed 1:1 by a portfolio of tokenized real-world assets. Web3 users receive ZrUSD directly to their wallet, while mobile users receive an off-chain ZrUSD balance mapped to their phone number represented in local currency. ZrUSD passively grows in value as yield accrues from the underlying asset strategies.

What is the expected APY? Zybra targets competitive real-world yields between 5% and 20% APY, depending on the asset mix. Returns are generated from regulated, tokenized instruments such as U.S. Treasuries, private credit pools, and equity-backed assets. Yields accrue continuously and are reflected in the growing value of each ZrUSD unit. Performance metrics are fully on-chain and verifiable by both wallet-based and mobile users.

How are my deposits protected? All deposits are managed through non-custodial smart contracts with asset-level transparency and enforced risk parameters. Yield-bearing vaults are overcollateralized and integrate institutional-grade safeguards, including bankruptcy-remote legal wrappers and compliance with frameworks such as FATF and regional regulations. Deposits from mobile money users are converted and stored on-chain, fully backed and auditable.

How does Zybra connect real-world assets with DeFi? Zybra serves as a bridge between tokenized real-world assets and permissionless DeFi infrastructure. The protocol aggregates yield from platforms like Centrifuge (private credit) and Swarm Markets (regulated tokenized stocks and T-bills). This allows users to access institutional-grade returns through a stable, programmable interface; accessible via wallet or via USSD command.

How are vaults structured? Each Zybra vault is composed of on-chain smart contracts that allocate user funds into vetted, tokenized asset pools. Vaults are transparently governed, risk-rated, and modular, enabling exposure to diversified real-world yield sources. Mobile money deposits are abstracted into shadow wallets and reflected on-chain via ZrUSD, maintaining consistent access to the same vaults regardless of interface.

What types of collateral are accepted? On-chain deposits are accepted in USDC, which is converted into zRUSD. Off-chain deposits are accepted via mobile money using local jurisdictional currencies (M-Pesa, Airtel, MoMo) through partners like Kotani Pay and Yellow Card, and are automatically bridged into on-chain vaults. All assets, whether fiat or crypto, are ultimately converted into real-world yield exposure via tokenized collateral, ensuring every ZrUSD unit is transparently backed and earning yield.

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Last updated 21 days ago