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Zoth
Zoth is a privacy-first stablecoin neobank building integrated financial infrastructure for the Global South and the agentic economy. It offers institutional-grade RWA/DeFi yield vaults (zVaults, led by the zOPAL vault), instant compliant cross-border payments (zPayments), a Fund-as-a-Service tokenization platform, and an emerging agentic payments stack for AI agents. Its clients include neobanks, exchanges, family offices, fintechs, MTOs, SMEs, importers/exporters, and PSPs.
Panama City, PA
Zoth
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Description
Zoth offers a financial ecosystem that bridges the gap between lenders and borrowers by providing access to capital through decentralized finance (DeFi). It focuses on bringing real-world assets on-chain, offering high yield opportunities from emerging markets. The platform supports various financial instruments such as invoice factoring, asset leasing, and tokenized bonds, enhancing liquidity and reducing risk through robust risk mitigation strategies and insurance.Category: DeFi
Hack: Access Control ($8.3M)
Hack: Oracle Issue ($285K)
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ZPayments
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Description
zPayments, offered by Zoth, allows global businesses to send cross-border payments instantly with no hidden fees, built on institutional-grade, compliant payment rails with 24x7 support. The platform reports over $500M in total payment volume and a 99.1% success rate, and holds Money Transmitter Licenses across 50 US states as well as FINTRAC registration in Canada. Key features include zero platform fees, an instant global payment route menu through a single unified integration, full transaction transparency, competitive FX rates, faster settlement (seconds instead of days), a compliant multi-jurisdiction framework, and dedicated relationship management. It serves money transfer operators (MTOs), SMEs/startups, importers and exporters, and payment service providers (PSPs), helping them power instant, compliant cross-border payouts through deep liquidity pools and local settlement accounts. zPayments is one of several offerings from Zoth (alongside zVaults, Tokenize, and Agentic payments).Category: Payments Infrastructure
ZVaults
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Description
zVaults, built by Zoth, is an institutional-grade yield product offering secure, compliant vaults that combine curated real-world asset (RWA) and DeFi yield strategies. It is designed to provide the compliance and security of TradFi alongside the alpha and liquidity of Web3, with no lock-ins or minimums. Its flagship offering, zOPAL, targets up to 12.1% APY plus boosted rewards via Zocta points, and a separate privacy-focused vault keeps investment details unexposed onchain. zVaults runs on institutional-grade infrastructure: MPC custody, pre-audited smart contracts, automated risk controls, 24/7 monitoring, a transparency layer with daily NAV reporting and onchain proof-of-assets, systemic risk mitigation, and regulatory oversight, with funds regulated under the Cayman Islands Monetary Authority. It is positioned as yield infrastructure for institutional platforms: neobanks plug idle customer balances into zOPAL vaults, exchanges deploy zVaults to put idle stablecoin reserves to work while preserving redemption liquidity, and family offices allocate idle treasury into zOPAL for asset-backed yield without building their own infrastructure.Category: Yield Aggregator
ZOPAL Vault
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Description
zOPAL Vault is a tokenized investment vehicle built on Zoth's zVault infrastructure, providing on-chain access to BlackOpal's LiquidStone II strategy. It converts idle stablecoin capital into yield-bearing zOPAL tokens backed by Brazilian credit card receivables and enhanced with Superstate's market-neutral strategies, and carries a Baa3 investment grade classification from Cicada Partners. Users connect a Web3 wallet, deposit USDC, and receive zOPAL tokens that accrue yield, with total vault APY reaching up to 16% (up to 12% from the underlying strategy plus up to 4% boosted APY in Zocta points). zOPAL is not a stablecoin — its value appreciates via NAV as the vault generates returns. There is no lock-up period; redemptions are processed within 1-5 business days at prevailing NAV once BlackOpal processes the fund-side request. The vault is open to retail and institutional investors outside the US, UK, and sanctioned countries, with geographic access blocking enforced via the interface. As of the rendered evidence, AUM in the strategy was $27.14M, and the vault operates on the Base network.Category: RWA Tokenisation Platform