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ZIG Finance is an onchain finance ecosystem focused on connecting regulated investment products and institutional capital with blockchain infrastructure. It comprises ZIG Chain, a Layer 1 blockchain for financial applications and real-world assets; ZIG Markets, which structures and distributes investment products; and ZIG Labs, which invests in and supports the development of financial applications. [4]
ZIG Finance is an onchain finance ecosystem comprising three main components: ZIG Chain, a Layer 1 blockchain designed to support financial products and real-world asset management; ZIG Markets, which structures and distributes regulated investment products such as private credit, equities, real estate, and structured products; and ZIG Labs, which invests in and supports developers building financial applications and infrastructure on ZIG Chain. Its native token, $ZIG, serves utility and governance functions across the ecosystem. Under the ZIG 2.0 framework, introduced in July 2026, a portion of ZIG Markets' revenue is allocated to monthly open-market $ZIG purchases. ZIG Finance operates through affiliated entities, with regulated financial activities conducted by specific South African entities supervised by the Financial Sector Conduct Authority (FSCA), rather than by the ecosystem as a whole. [1]
ZIG Chain is a sovereign Layer 1 blockchain built on the Cosmos SDK, designed to support the issuance, management, and settlement of real-world assets and financial products onchain. It uses CometBFT Proof-of-Stake consensus to provide deterministic transaction finality in under five seconds, while CosmWasm enables developers to build smart contracts using Rust. The network includes the Wealth Management Engine, a modular framework for delegated investment management and the development of investment strategies. Its interoperability infrastructure uses IBC to connect with more than 100 Cosmos-based chains and IBC Eureka for direct connectivity to Ethereum. Network security relies on validators staking ZIG tokens, with slashing mechanisms for downtime and double-signing. ZIG Chain's mainnet is operational, and its infrastructure is designed to support institutional participation and regulated asset-backed products, although the blockchain itself is not a regulated entity. [5] [6]
ZIG Markets is the commercial and distribution layer of ZIG Finance, responsible for structuring and distributing regulated investment products to institutional and retail investors. Its product offerings include private credit, SME lending, invoice factoring, trade receivables, cross-border payment financing, equities, and ETFs, with products made available through onchain and traditional financial channels. The platform works with asset originators to structure products according to the underlying assets rather than requiring them to adopt a standardised structure, while providing a counterparty for structuring, compliance, and distribution. ZIG Markets also uses an AI-based system to support institutional sales processes through meeting preparation, call capture, and proposal development. Its regulated activities operate through licensed South African entities, including Merritt Administrators (Pty) Ltd and Starbuy (Pty) Ltd, under the Financial Advisory and Intermediary Services (FAIS) Act and supervision of the Financial Sector Conduct Authority (FSCA). [7]
ZIG Labs is the investment and development arm of ZIG Finance, supporting companies building financial applications and infrastructure for the onchain finance ecosystem. It provides funding, incubation, technical assistance, regulatory guidance, and go-to-market support to projects, with priority given to applications developed on ZIG Chain. Its areas of focus include DeFi protocols, real-world asset infrastructure, Shariah-compliant financial products, and AI-based financial applications. Its portfolio includes Oroswap, an AI-powered decentralized exchange; Valdora Finance, a real-world asset-backed yield platform; Nawa Finance, which develops Shariah-compliant yield vaults; and Zamanat, which develops Shariah-aligned tokenized investment products. Portfolio companies can also access ZIG Chain infrastructure, distribution through ZIG Markets, and the ecosystem's institutional partners. Under the ZIG 2.0 framework, ZIG Labs contributes to the broader ecosystem by supporting applications that generate activity across its infrastructure and distribution layers. [9]
ZIG is the native utility and governance token of ZIG Chain, serving as the network’s primary asset for transaction fees, staking, and onchain governance. It is used by validators to help secure the network through Proof-of-Stake consensus and by token holders to participate in governance decisions. ZIG also provides access to network features and DeFi applications that require the native token. Fees generated by modules such as Token Factory, Exchange, and Wealth Management are directed to designated wallets and may support ecosystem development and related initiatives. [10] [11]
ZIG has a total supply of 2.5B tokens and has the following allocation: [11]