South Africa’s digital currency for the world.
The foundational, regulated network for high-volume ZAR settlement and utility across global digital markets.
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.
The Institutional Standard for the digital Rand
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.
Critical Questions for Institutional Partners
If you have further questions, please reach out via our Contact page.
Is the ZAR Universal Network a regulated entity?
How is ZARU protected against issuer or counterparty risk?
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?
Does ZARU offer any implied yield or function as a speculative investment?
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