Table of Contents

Table of Contents Abstract  Introduction  Problems in Crypto Solutions: The ZIBA Ecosystem XCROW: Secure P2P Escrow & Rewards  ZITOPIA: Learn-and-Earn Crypto ZIBA SWAP: Low-Fee Decentralized Exchange  Tokenomics  Burn & Scarcity Mechanisms  Roadmap (2025–2026)  Governance & DAO  Security & Compliance  Risks & Mitigations  Conclusion