Open stablecoin rails for the South African Rand
The audited, fully collateralised and crypto-native stablecoin for the South African Rand.
ZARP mints new tokens only when rands enter the reserve. ZARP burns tokens at redemption. Independent auditors verify the balance.
Why ZARP
Most stablecoins make South Africans think in dollars. ZARP keeps your money in rand, the same unit as your prices, your invoices, and your ledger.
The reserve holds R91.6 million in cash against R84.2 million in circulation. That is a 108.8% collateral ratio. Old Mutual Wealth manages the reserve. Kempen Audit attests it each month.
There are no banking hours, no weekend cut-offs, and no 3-day clearing. A ZARP transfer completes on-chain in seconds. Network fees are less than one rand on Base, Polygon, and Solana.
Rand obligations held in USD stablecoins move with the USD/ZAR rate. ZARP holds rand value as rand. Your R100,000 stays R100,000.
ZARP has the same contract address on Ethereum, Base, Polygon, and Gnosis. It is also native on Solana. Integrate one time. Deploy everywhere.
Fintech veterans Simon Dingle and Kenny Inggs started ZARP. Solidity Finance audited the smart contracts. ZARP is a member of the Stablecoin Standard.
Escrow, streaming payments, payroll splits, DeFi liquidity. If you can write it in a smart contract, you can do it with rand.
Instrument 01
Southern Africa has some of the most costly money corridors on Earth. Move the slider, select a route, and compare the old rails with ZARP rails.
Corridor averages: World Bank Remittance Prices Worldwide, Q3 2025, for a transfer of approximately US$200. Banks are the most costly channel at approximately 9.5%. The ZARP route model uses a 0.5% on-ramp fee, a 0.5% off-ramp fee, and R2 in network fees. Actual prices depend on the venue. These figures are examples, not a quote.
Instrument 02
If you hold a rand obligation in a dollar stablecoin, you hold USD/ZAR risk. See how far your balance can move while you wait. Then see what it does in ZARP.
The bands are examples. They come from typical historical USD/ZAR volatility of approximately 14% to 15% each year, scaled to the period. Currency moves can be larger than historical ranges. This is not financial advice.
Side by side
See ZARP next to the other ways rand value moves today.
| Criterion | ZARP | Bank transfer |
|---|
Access
There are four ways in. Select the one that matches where your money is now.
Proof, not promises
The reserve is boring on purpose. It is cash at Old Mutual Wealth. Independent auditors count it. Reports come out each month. Anyone can check the supply on-chain.
R 91,640,675 in reserve vs R 84,221,016 in circulation
Builders
ZARP has the same address on each EVM chain. Integrate one time. Deploy on all of them.
0xb755506531786C8aC63B756BaB1ac387bACB0C04
View on explorer ↗
// Pay a supplier R25,000. Settles in seconds, at any hour. const zarp = new Contract("0xb755…0C04", erc20Abi, signer); await zarp.transfer(supplier, parseUnits("25000", 18));
Questions
ZARP mints tokens only when rands enter the reserve. ZARP burns tokens at redemption. Kempen Audit verifies each month that the reserves are equal to or more than the supply. The current cover is 108.8%.
ZARP Stablecoin (Pty) Ltd issues ZARP as a representative of Inves Capital (Pty) Ltd. A Crypto Asset Service Provider licence application is in progress in South Africa. Compliance and FAIS disclosures are on the site.
Sell ZARP for ZAR on a supported exchange such as OVEX, ChainEX, or AFRIDAX. Then withdraw by EFT. Approved partners can redeem directly with the issuer. The issuer burns the tokens and pays the equal amount of rands.
Base, Ethereum, Polygon, Gnosis, and Solana. All standard wallets work. MetaMask and Phantom are common choices. Special apps include ZARPLY, Mandla Money (WhatsApp), and Moovha.