Group savings that earn
Save together.Earn while you wait.
Zybra takes the savings circle you already trust and puts the pot to work. Contribute each round, watch the pot earn yield every day, and take your money out whenever you need it.
- Withdraw anytime
- No network fees
- Every group on-chain
Illustration — not live data
How it works
Three steps. Same circle, better pot.
- 01
Start or join a group
Pick an amount and a schedule, then invite the people you trust. Groups hold 2 to 150 members.
- 02
Contribute each round
Everyone adds the same amount on the same schedule. Top up your Zybra balance, then contribute in a tap.
- 03
Earn, then cash out
The pot earns yield the whole time. Claim yield whenever it's there, and withdraw your savings when you're ready.
Where your money goes
Your pot never sits idle.
In a normal circle, the money waits in someone's account until it's paid out. On Zybra it earns from the first contribution to the last withdrawal.
Everyone adds the same amount each round.
Held by the group's own on-chain contract — not by Zybra.
The pot is lent to a curated vault and earns yield every day it waits.
Yield is shared by how much each member has saved, and for how long.
Happening now
Groups saving right now
Straight answers
Built so you never have to just trust us.
Your exit, always open
Withdraw your savings at any time — even while the group is still running. No lock-ups, no permission needed from the group admin.
One simple fee
10% of the yield earned. Never a cut of what you put in.
Network fees on us
Contributions, claims and withdrawals cost you nothing extra to send.
Check any group
Every group runs on its own public contract. Look one up on the Transparency page.
Open TransparencyWhat is a savings group?
It's the savings circle you already know — a chama, stokvel, ajo or committee. A group agrees on an amount and a schedule, everyone contributes each round, and the money is kept together. Zybra runs the pot for you and puts it to work while it waits.
Where does the yield come from?
Each group's pot is deposited into a curated lending vault (Morpho) that pays interest. Rates move with the market, so every group shows an estimated yield rather than a promise.
What does Zybra charge?
Zybra keeps 10% of the yield your group earns. We never take a cut of the money you put in, and network fees for your transactions are covered.
Can I take my money out early?
Yes. You can claim your yield whenever there is some, and withdraw your savings at any time. Leaving a running group early returns everything you put in; the yield you haven't claimed yet stays with the members who remain.
Is my money safe?
Your group's money sits in its own smart contract on a public blockchain, not in a Zybra bank account. Anyone can check a group's activity on the Transparency page. Like any savings product that earns yield, it isn't risk-free — read how it works before you start.
Your circle, now with interest.
It takes about two minutes to set up. Bring the people you already save with.