You save in CHF.
Deposit CHF — that's it. In the background, your funds are converted into ZCHF, a digital Swiss franc designed to track CHF. urble handles the rest.
ZCHF Savings · powered by 
Your CHF.
Now earning.
Save in CHF and earn variable yield — right inside urble. No DeFi experience needed. No crypto know-how required. Just start.
ZCHF Savings CD
Your CHF balance
CHF 8,420
↗ yield is runningAssetZCHF
SystemFrankencoin
Fee5%–25% on yield only
RisksRead below
In brief
Your CHF is converted to ZCHF and placed in a DeFi savings module. Yield can change at any time.
Simply put
Saving that actually pays off.
Your money doesn't have to just sit there. ZCHF Savings puts it to work — in CHF, earning variable yield. Transparent, straightforward, on your terms.
Your money works for you.
ZCHF flows into a transparent DeFi savings module. Variable, market-based yield builds over time — visible right in your balance.
This isn't a bank account.
Yield is variable and not guaranteed. Risks exist. We lay them out clearly — so you can decide for yourself. And: urble is self-custodial. We never have access to your funds.
How it works
Three steps. Everything in the app.
No complicated DeFi, no crypto experience needed. urble handles the technical side — while the system behind it stays fully transparent and verifiable on the blockchain.
CHFDeposit
→
ZCHFConvert
→
YieldEarn
Deposit CHF
Choose your amount in the urble app. Direct from your wallet or via bank transfer.
Automatically converted to ZCHF
ZCHF is a digital Swiss franc — designed to stay close to the CHF exchange rate.
Placed in the DeFi savings module
Your ZCHF flows automatically into a transparent DeFi savings module.
Yield builds — you see it happen
Variable yield is credited to your balance on an ongoing basis. Always traceable.
What is Frankencoin?
The Swiss franc, on-chain.
Frankencoin — short: ZCHF — is a digital Swiss franc stablecoin. Designed to track the value of CHF and bring Swiss-franc liquidity to digital payments and finance.
Not a bank deposit. By design.
ZCHF isn't a classic stablecoin backed 1:1 by CHF in a bank account. Frankencoin is backed by over-collateralised crypto assets (primarily forms of Bitcoin and Ether on the Ethereum blockchain).
- no single central issuer guarantee
- publicly visible collateral
- rule-based blockchain infrastructure
Transparent by Design.
Key system data is publicly verifiable: collateralisation, ZCHF supply, reserves, liquidity, and protocol activity.
- live dashboards, not black boxes
- blockchain transparency
- publicly available documentation
Why yield?
Your money does the work. Not you.
Yield doesn't come from a classic savings account. It can come from activity in the Frankencoin ecosystem and demand for CHF liquidity in decentralised financial markets.
That's why yield is variable.
The rate depends on market conditions, liquidity, demand, and system activity. It can rise, fall, or temporarily be very low.
- not guaranteed
- no fixed interest rate
- not classic bank interest
- depends on supply and demand
Compare
Bank account ≠ ZCHF Savings.
ZCHF Savings is designed to be simple — but it's not a traditional savings account. Know the difference before you start.
| Bank account | urble ZCHF Savings |
|---|---|
| Funds held by a bank. | CHF is converted to ZCHF and placed in a DeFi savings module. |
| Traditional banking infrastructure. | Blockchain-based infrastructure with blockchain transparency. |
| Interest set by the bank. | Yield is market-based, variable, and not guaranteed. |
| Deposit protection may apply. | No traditional deposit protection or bank guarantee. |
| Less visibility into how funds are used. | Protocol and system metrics can be verified publicly. |
| The bank holds your money — you have no direct access to the underlying assets. | Self-custodial: Brick Towers and urble never have access to your funds or ZCHF. You retain full control at all times. |
Live metrics
Don't take our word for it.
Frankencoin is publicly verifiable. Check out the official Frankencoin app for live data.
Collateralisation ~180%
Equity Reserves CHF 4.5M
Total Collateral Value CHF 55M
ZCHF in Circulation 30.6M
Know the risks
Make an informed choice.
ZCHF Savings offers yield potential — but not without risk. We lay it out clearly so you can decide whether this product is right for you.
Yield is not guaranteed
The displayed rate can change at any time. Past yield is no indication of future yield.
ZCHF may diverge from CHF
ZCHF is designed to track CHF, but may temporarily trade above or below 1 CHF.
Smart contract risk
Bugs, vulnerabilities, or unexpected behaviour in blockchain software can lead to losses.
Market and liquidity risk
In market stress or low liquidity, conversion, valuation, or withdrawal may be affected.
Protocol and system risk
Frankencoin relies on collateral, liquidations, reserves, and market mechanisms that may behave differently under stress.
Regulatory and tax risk
Rules for digital assets, stablecoins, and DeFi products may change. Tax consequences depend on your individual situation.
Availability
Available after identity verification.
ZCHF Savings is available directly via the urble wallet. To deposit CHF via bank transfer, you first need to complete an identity check (KYC). This is handled by our partner DFX and opens access from a wide range of countries — not limited to Switzerland.
Fees
We only earn when you earn.
We only take a share of your yield — between 5% and 25% goes to urble as a service fee. Your deposited balance is never charged. If no yield is generated, we earn nothing.
Saving pays off when you stay consistent.
- Build a stronger savings habit.
- Higher yield for consistency.
- Earn a higher net yield over time.
FAQ
Good to know.
What is ZCHF?
ZCHF is a digital Swiss franc powered by the Frankencoin protocol. It's designed to track the value of CHF and bring it to blockchain infrastructure.
Is ZCHF backed by Swiss francs in a bank account?
No. ZCHF isn't a classic fiat-backed stablecoin. Frankencoin is backed by over-collateralised crypto assets (primarily forms of Bitcoin and Ether on the Ethereum blockchain).
Is ZCHF Savings a bank account?
No. ZCHF Savings is not a bank account, bank deposit, or protected by classic deposit insurance.
Is yield guaranteed?
No. Yield is variable, market-based, and not guaranteed. The rate can change at any time.
Why do I earn yield?
Yield can come from activity in the Frankencoin ecosystem and demand for CHF liquidity in decentralised financial markets.
Can ZCHF diverge from CHF?
Yes. ZCHF is designed to track CHF, but may temporarily trade above or below 1 CHF.
What does urble cost?
urble does not charge a fixed fee on your balance. The yield shown is your net yield after service fee (between 5% and 25%). If no yield is generated, no yield-based fee is charged.
When you stick to your savings plan, your conditions improve. This means your net yield can become higher over time.
Can I lose money?
Yes. Smart contract, market, liquidity, protocol, regulatory, and operational risks exist. Loss up to and including total loss of funds is possible.
Learn more
Go straight to the source.
Find further information on the official Frankencoin website and independent dashboards.
ready to urble?
Start saving in ZCHF now.
Download the urble app, choose ZCHF Savings, read the details — then decide. Ready in minutes.
