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ZVaults

zVaults is Zoth's institutional-grade yield product, offering secure, compliant vaults that deliver curated RWA and DeFi yields (up to 12.1% APY via zOPAL) to neobanks, exchanges, and family offices seeking to deploy idle stablecoin balances through regulated, asset-backed strategies with transparent onchain settlement.
Category: Yield Aggregator

Zoth

Zoth describes itself as a privacy-first stablecoin neobank and full-stack onchain banking platform designed to unify yield, payments, compliance, and security into a single institution-grade platform, with a particular focus on underserved institutions across the Global South. Its core product lines include zVaults, institutional-grade vaults (such as the zOPAL vault built on BlackOpal's LiquidStone II strategy) offering curated RWA and DeFi yields of up to ~16% APY with MPC custody, pre-audited smart contracts, and daily NAV transparency; zPayments, an instant, low-fee cross-border payments rail with built-in KYC/AML/sanctions compliance, backed by Money Transmitter Licenses across 50 US states and FINTRAC registration in Canada; Tokenize, a Fund-as-a-Service offering for launching regulated tokenized investment vehicles under Cayman Islands Monetary Authority oversight and managed by BVI FSC; and an Agentic Payments stack (in beta) enabling AI agents to autonomously transact, verify identity, and settle payments over stablecoin rails. Zoth serves neobanks, exchanges, family offices, MTOs, SMEs/startups, importers/exporters, and PSPs, and partners with firms such as Base, Avalanche, Movement, Fireblocks, Fordefi, Chainlink, Paxos, Bakkt, Sumsub, and QuillAudits. The company is based in Panama City, Panama.
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Funding Rounds

Funding Round: Strategic
Funding Date: 9 Feb, 2026
Funding Round: Strategic
Funding Date: 8 Aug, 2025
Raised Amount: $15M
Funding Round: Strategic
Funding Date: 1 Aug, 2024
Raised Amount: $4M
Funding Round: Seed
Funding Date: 10 Apr, 2024
Raised Amount: $2.5M

Investors