---
title: "ZAR Universal (ZARU) Stablecoin Analytics"
canonical: "https://pharos.watch/stablecoin/zaru-blocktower/"
description: "Build-time stablecoin profile for ZAR Universal (ZARU). Live price, supply, peg, liquidity, and flow data are served by the Pharos API."
dateModified: "2026-10-02"
---



# ZAR Universal (ZARU)

**Peg:** South African Rand

**Backing:** Real-World Asset Backed

**Governance:** Centralized (CeFi)

**Status:** active

## Overview

ZAR Universal is issued by Loop South Africa trading as BlockTower, with direct redemption restricted to verified institutions and retail access through network partners. Its retrieved reserve report identifies rand cash at Standard Bank and money-market funds at Sanlam, but describes a historical July balance rather than the current portfolio. Moore's agreed-upon procedures reconcile that snapshot without expressing an assurance opinion or establishing bankruptcy priority. On-chain controls remain concentrated in a Solana signer and an EVM administrator with mint, upgrade and recovery powers. The holder's exit depends on issuer and partner banking processes, while fees, minimums and money-market-fund look-through remain incompletely disclosed.

## Collateral

Rand bank deposits at Standard Bank and unit-trust money-market funds at Sanlam; the retrieved Moore report measures the July 31, 2026 book, not current allocations.

## Peg Mechanism

One ZAR per token through BlockTower's verified institutional mint/redemption service; retail access through network partners. Fiat settlement may take up to five business days, and partner fees and minimums vary.

## Jurisdiction

| Country | Regulator | License |
| --- | --- | --- |
| South Africa | N/A | N/A |

## Contracts

| Chain | Address | Decimals |
| --- | --- | --- |
| solana | `2WvREMqcoxtGuKTyyuzVMH7xDkeH8mY6phduvUofPRXN` | 6 |
| ethereum | `0xe205b4e7ac03e3f7b2060c3edf2171aa7126c0d5` | 18 |
| base | `0xe205b4e7ac03e3f7b2060c3edf2171aa7126c0d5` | 18 |
| arc | `0xe205b4e7ac03e3f7b2060c3edf2171aa7126c0d5` | 18 |

## Live Data

Real-time price, supply, peg score, liquidity, and flow data live at https://api.pharos.watch/api/stablecoin/zaru-blocktower.