South Africa’s digital currency for the world.
Strategic Partners powering ZARU
Open Network, Institutional Grade
Instant settlement
Low transaction costs
Regulated and trusted
ZAR Universal (ZARU) is a Rand-backed digital asset designed for the modern financial system — fully reserved, under regulatory oversight, and will be interoperable across leading blockchains. Built with an open network philosophy, ZARU enables institutions to connect and transact seamlessly within a trusted digital ecosystem.
As a programmable form of digital money, ZARU powers real-time settlement and liquidity across markets — extending the reach of South Africa’s financial system into the global digital economy.
Asset liability manager
Sanlam manages reserve capital according to strict risk and liquidity frameworks — ensuring every ZARU token is fully backed, instantly redeemable, and prudently invested.
Primary banking & custodian partner
For every digital coin issued, a Rand is held at Standard Bank – Africa’s largest bank by total assets and network reach – serving as primary banking partner and custodian. Standard Bank maintains investment grade credit ratings from S&P, Moodys and Fitch.
Independent auditor
Moore independently verifies ZARU reserves and operational controls, delivering regular assurance reports to maintain transparency and stakeholder trust.