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.
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