Example Calculation

User borrows: 1,000 ZBU

• Premium (0.09%): 0.9 ZBU

• Total Repayment: 1,000.9 ZBU

Who Benefits?

• The 0.9 ZBU fee is added to the zZBU contract, increasing the total pool value.

• This raises the value of zZBU relative to ZBU, rewarding liquidity providers for their contribution.

Economic Breakdown of Flash Loan Costs

Component	Who Pays?	Where It Goes?	Beneficiaries
Principal + Premium (0.09%)	Flash Loan Borrower	zToken Contract (e.g., zZBU)	Liquidity Providers (via increased exchange rate)
Gas Fees	Flash Loan Borrower	ETH Validators (network fees)	Network Validators