A ZAR balance at a bank moves on bank rails: T+1 to T+3 settlement, EFT fees, scheme costs, no programmability, and business-hours constraints. A ZARU balance moves on blockchain rails: settlement in seconds, near-zero marginal cost, fully programmable, and operational 24 hours a day. The unit of value is identical. What changes is what the rand can do. ZARU is also independently attested every month by Moore Johannesburg, with reserves held at a leading South African bank. A bank account trusts the bank's balance sheet. ZARU's reserves are verifiable and legally ring-fenced.