The ZOS cross-chain decentralized finance network (DeFi) is an open financial system for decentralized lending, stablecoins, and trading. Its a financially profitable public chain that bridges fiat currencies with digital currencies, constructing a distributed financial ecosystem through three pillars. The first pillar: ZosLending, enables global financial institutions to offer fiat currency lending services by leveraging collateralized lending, integrating fiat and digital currencies. The second pillar: ZUSD, facilitates low-interest borrowing and interest generation from holding the stablecoin ZUSD, issued through over-collateralization based on Bitcoin, aiming to reduce global lending rates. The third pillar: ZosEx, allows for the free trading of fiat and digital currencies through decentralized exchange services.