Zybra Labs
Zybra Finance offers fractionalized access to real-world asset (RWA) lending in private credit markets. Their platform allows investors to gain exposure to private credit opportunities through smaller, more accessible investments.
- Data & Analytics
- Applications
- Blockchain & Cryptocurrency
- Financial Technology
- Software Only
Funding
Funding not disclosed
Founders
Product
Problem
Traditional savings accounts in emerging markets offer minimal yields, while access to higher-yield investment opportunities is often limited by high barriers to entry and a lack of reliable, non-custodial platforms. This leaves individuals vulnerable to currency devaluation and unable to effectively grow their wealth.
Solution
Zybra Finance provides a decentralized finance (DeFi) platform that enables users to earn sustainable yields by investing in tokenized real-world assets (RWAs) such as U.S. Treasuries, private credit, gold, and public equities. The platform offers a non-custodial savings protocol that bridges the gap between on-chain DeFi yields and mobile-based off-chain financial rails, making DeFi accessible to both crypto-native users and underserved mobile money users. Users can deposit USDC and receive ZrUSD, a yield-bearing stablecoin backed by RWAs, unlocking dual yield opportunities in DeFi markets. Zybra's automated yield management aggregates and optimizes savings across RWA platforms, while built-in risk management mechanics protect user deposits. The platform also offers real-time monitoring of yields and performance through detailed analytics.
Target Audience
Zybra Finance targets both crypto-native users seeking higher yields and underserved mobile money users in emerging markets who lack access to traditional financial systems.
Features
- Non-custodial savings platform powered by tokenized real-world assets (RWAs)
- ZrUSD stablecoin that earns passive returns from RWAs and unlocks additional yield in DeFi markets
- Automated yield management that aggregates and optimizes savings across RWA platforms
- Automated risk management mechanics to protect user deposits
- Real-time monitoring of yields and performance with detailed analytics
- On/off ramps to save, spend, and earn, on user terms
- Support for mobile money, USSD, and SMS to provide DeFi access to users without internet or smartphones
- Integration with Kotani Pay API for seamless bank deposits