# FAQs

**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.

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**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.

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**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.

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**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.

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**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.

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**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.

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**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.
