The Institutional Standard for the Digital Rand
The foundational, regulated network for high-volume ZAR settlement and utility across global digital markets.
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Custody, Transparency, and Liquidity: Institutional Integrity.
Custody, Transparency, and Liquidity: Institutional Integrity.
Custody, Transparency, and Liquidity: Institutional Integrity.
Custody: The Bank-Grade Anchor.
Reserves are held in a purpose-built custodial account with Standard Bank, Africa’s largest bank, anchoring the asset to the top-tier financial system.
Custody: The Bank-Grade Anchor.
Reserves are held in a purpose-built custodial account with Standard Bank, Africa’s largest bank, anchoring the asset to the top-tier financial system.
Custody: The Bank-Grade Anchor.
Reserves are held in a purpose-built custodial account with Standard Bank, Africa’s largest bank, anchoring the asset to the top-tier financial system.
Asset Liability Management.
Our reserves are managed under an Asset Liability Management (ALM) agreement with Sanlam, ensuring constant liquidity and redemption capacity.
Asset Liability Management.
Our reserves are managed under an Asset Liability Management (ALM) agreement with Sanlam, ensuring constant liquidity and redemption capacity.
Asset Liability Management.
Our reserves are managed under an Asset Liability Management (ALM) agreement with Sanlam, ensuring constant liquidity and redemption capacity.
Independent Attestation.
Monthly proof-of-reserves and attestation reports, conducted by independent auditor Moore, provide non-stop assurance of ZARU’s 1:1 backing.
Independent Attestation.
Monthly proof-of-reserves and attestation reports, conducted by independent auditor Moore, provide non-stop assurance of ZARU’s 1:1 backing.
Independent Attestation.
Monthly proof-of-reserves and attestation reports, conducted by independent auditor Moore, provide non-stop assurance of ZARU’s 1:1 backing.
Published Attestations
Published Attestations
Published Attestations
Live Reserve Status
The ZAR Universal Network publishes monthly reserve attestations by independent auditor Moore.
The ZAR Universal Network publishes monthly reserve attestations by independent auditor Moore.
The ZAR Universal Network publishes monthly reserve attestations by independent auditor Moore.
Every ZARU is 100% backed by highly liquid cash and cash equivalents held onshore.
Every ZARU is 100% backed by highly liquid cash and cash equivalents held onshore.
Every ZARU is 100% backed by highly liquid cash and cash equivalents held onshore.
Reserves are managed under an Asset Liability Management mandate by Sanlam.
Reserves are managed under an Asset Liability Management mandate by Sanlam.
Reserves are managed under an Asset Liability Management mandate by Sanlam.
$500m+
ZARU in Circulation
$617m+
ZAR in Reserves
* As of 22 October 2025
The Utility-First Foundation for Digital ZAR.
The ZAR Universal Network is an open consortium providing the core infrastructure for instant, high-volume ZAR transactions. Designed as a programmable settlement layer, it avoids being a speculative trading vehicle and connects fragmented markets.
Where and How to Get ZARU.
Where and How to Get ZARU.
Where and How to Get ZARU.
Planning and Advisory
Financial Oversight
Regulatory Guidance
Intellectual property
Born from the collective ambition of industry veterans and technology innovators, our mission is to expedite the journey of groundbreaking healthcare solutions from conception to global markets.
Actionable insights into healthcare market trends and consumer needs.
Strategic partnerships between institutions, biotech companies, and investors.
Advice on compliance, regulatory processes, and market entry strategies
Planning and Advisory
Financial Oversight
Regulatory Guidance
Intellectual property
Born from the collective ambition of industry veterans and technology innovators, our mission is to expedite the journey of groundbreaking healthcare solutions from conception to global markets.
Actionable insights into healthcare market trends and consumer needs.
Strategic partnerships between institutions, biotech companies, and investors.
Advice on compliance, regulatory processes, and market entry strategies
Planning and Advisory
Financial Oversight
Regulatory Guidance
Intellectual property
Born from the collective ambition of industry veterans and technology innovators, our mission is to expedite the journey of groundbreaking healthcare solutions from conception to global markets.
Actionable insights into healthcare market trends and consumer needs.
Strategic partnerships between institutions, biotech companies, and investors.
Advice on compliance, regulatory processes, and market entry strategies
Our Ecosystem & Access
Our Ecosystem & Access
Our Ecosystem & Access
The ZAR Universal Network Consortium
ZARU is accessible through the ZAR Universal Network's founding partners. We provide two primary channels for access, catering to both high-volume institutional clients and market participants.
Direct
Direct
Direct
Institutional Minting & Redemption
Institutional clients access ZARU directly via our regulated OTC desk for instant, high-volume minting and redemption. This ensures par-value transactions with minimal slippage.
Trade
Trade
Trade
Exchanges and Platforms
ZARU is readily available for trading and retail access on our foundational exchange partners:
Our process
Our process
Our process
Strategic Funding
Our strategic funding connection process involves a meticulous evaluation of each project to ensure it aligns with our investors' goals for societal impact and financial return.
Strategic Funding
Our strategic funding connection process involves a meticulous evaluation of each project to ensure it aligns with our investors' goals for societal impact and financial return.
Strategic Funding
Our strategic funding connection process involves a meticulous evaluation of each project to ensure it aligns with our investors' goals for societal impact and financial return.
Regulatory Guidance
Our aim is to equip researchers with the tools and knowledge necessary for navigating the complexities of medical innovation, from initial development through to commercialization.
Regulatory Guidance
Our aim is to equip researchers with the tools and knowledge necessary for navigating the complexities of medical innovation, from initial development through to commercialization.
Regulatory Guidance
Our aim is to equip researchers with the tools and knowledge necessary for navigating the complexities of medical innovation, from initial development through to commercialization.
Impact Amplification
By streamlining the pathway from laboratory discovery to market introduction, we help ensure that life-saving and life-improving medicines reach patients faster.
Impact Amplification
By streamlining the pathway from laboratory discovery to market introduction, we help ensure that life-saving and life-improving medicines reach patients faster.
Impact Amplification
By streamlining the pathway from laboratory discovery to market introduction, we help ensure that life-saving and life-improving medicines reach patients faster.
Critical Questions for Institutional Partners.
Is the ZAR Universal Network a regulated entity?
Is the ZAR Universal Network a regulated entity?
Is the ZAR Universal Network a regulated entity?
How is ZARU protected against issuer or counterparty risk?
How is ZARU protected against issuer or counterparty risk?
How is ZARU protected against issuer or counterparty risk?
What is the guarantee of 1:1 redemption and liquidity for large volumes?
What is the guarantee of 1:1 redemption and liquidity for large volumes?
What is the guarantee of 1:1 redemption and liquidity for large volumes?
Which blockchains does ZARU support, and is the network compliant with FATF Travel Rule requirements?
Which blockchains does ZARU support, and is the network compliant with FATF Travel Rule requirements?
Which blockchains does ZARU support, and is the network compliant with FATF Travel Rule requirements?
Does ZARU offer any implied yield or function as a speculative investment?
Does ZARU offer any implied yield or function as a speculative investment?
Does ZARU offer any implied yield or function as a speculative investment?
