Why ZARP
ZARP is the rand leg your product needs. It is fully collateralised, independently attested each month and live since 2021. Build on it instead of issuing and governing a stablecoin of your own.
What you can build
Settle card spend, top-ups and credit lines in rand on programmable rails. The programme holds value in the cardholder's own currency, with no USD leg on each transaction.
Open rand corridors that settle 24/7 with on-chain finality. Each corridor is subject to exchange control, licensing and partner terms in the countries it touches.
Add a stable rand balance to a wallet, app or marketplace. ZARP is a standard token, so the integration is the same one your team already knows.
Every transfer is final on arrival and carries an on-chain record. Split, escrow and schedule settlement in code. Reconcile against the chain, not a statement.
List ZARP/ZAR pairs and provide liquidity against one contract address on Ethereum, Base, Polygon and Gnosis, plus a Token-2022 mint on Solana. Approved partners mint and redeem 1:1 through the issuer.
Use an independently attested rand asset as the settlement leg for tokenised instruments and DeFi pools. On-chain rand price feeds are live on Base through IFÁ Labs.
Supporting proof
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. A R100,000 float 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.
Live since 2021. Solidity Finance audited the smart contracts. The code is open source. 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.
Side by side
See ZARP next to the other ways rand value settles today.
| Criterion | ZARP | Bank transfer |
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Figures: zarpstablecoin.com/transparency, August 2026.
Tell us what you are building. Initial qualification takes a few minutes. Formal KYB follows.