# ZAR > Rock. Solid. Dollars. ZAR is a digital payments company that converts local cash into USD-backed stablecoins through local merchant networks. It serves users in cash-first economies who want to save, send, and spend stable dollars. ZAR is a digital payments company that connects cash-first economies to digital dollars. It turns local corner stores, airtime vendors, and mobile money agents into on-ramps where users can exchange cash for USD-backed stablecoins, held and managed through a self-custodial mobile wallet. The service targets people in regions with limited access to stable banking, letting them protect savings from local currency inflation. The platform addresses the problem of cash-based economies having little access to stable stores of value or efficient cross-border transfers. Users find a participating merchant, scan a QR code, exchange cash in person, and receive stablecoins instantly in their wallet, with rates set independently by each merchant. From the wallet, users retain control of their own funds rather than relying on a custodial intermediary. Beyond cash-to-stablecoin conversion, the platform supports sending and receiving digital dollars, cashing out to local bank accounts, spending globally through a linked card, and receiving international transfers into a dedicated dollar account. It is used by savers, freelancers, remittance senders, and small shopkeepers across multiple emerging markets, with a growing network of merchant partners forming its distribution layer. - Type: Company - Sector: Payments - Status: Active - Founded: 2024-07-01 - Profile: https://thegrid.id/profiles/zar_app ## Products - [ZAR Wallet](https://thegrid.id/profiles/zar_app): ZAR Wallet is a self-custody stablecoin wallet that lets users convert local cash into dollar-backed stablecoins and hold, send, and spend them. It works through biometric authentication and peer-to-peer transfers, allowing users to move funds instantly, withdraw to a local bank, or receive international transfers into a dollar account. The wallet also issues a linked virtual and physical Visa card that converts stablecoin balances at the point of transaction, letting users spend dollars at merchants worldwide, withdraw local currency from ATMs, and pay via mobile contactless payments. Freelancers and remittance recipients use it to receive payments from platforms or family abroad without forced currency conversion, spend received dollars directly, or exchange into gold or bitcoin. (Wallet, Live, Main Product) - [ZAR Agent Network](https://thegrid.id/profiles/zar_app): The ZAR Agent Network is an on/off ramp connecting local shops, airtime vendors, and remittance counters that exchange cash for dollar-backed stablecoins in person. Users find a verified nearby merchant, scan a QR code, and complete a cash-for-stablecoin exchange at rates set by the individual merchant. Merchants earn margins on exchange rates while facilitating access to digital dollars for people without direct access to stablecoin purchasing. (On/Off Ramp, Live) ## Links - [Main](https://zar.app) - [Privacy policy](https://zar.app/privacy-policy) - [Terms of Service](https://zar.app/terms-of-service) - [Blog](https://www.zar.app/news) - [Facebook](https://www.facebook.com/zardotapp) - [Instagram](https://www.instagram.com/zar.app) - [Twitter / X](https://x.com/zardotapp) - [LinkedIn](https://www.linkedin.com/company/zardotapp) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. 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