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.