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Zoth Privacy-First Onchain Banking
Zoth
Company Overview.
Description.
Zoth is a privacy-first stablecoin neobank building full-stack financial infrastructure for the Global South and the agentic economy. Founded in 2023 and headquartered in Dubai with operations in Panama, the company operates zVaults (institutional-grade tokenized yield vaults), zPayments (cross-border stablecoin payment rails), and a Tokenize platform (Fund-as-a-Service). The ecosystem includes a planned card product and Zocta Points loyalty system. The platform has onboarded 2M+ wallets, sold $250M+ in yield products, and processed $500M+ in payment volume with a 99.1% success rate across 80+ bank partners.
Zoth is the brand of Metaco Intelligence Corporation, incorporated in Panama. The company holds licenses from the Cayman Islands Monetary Authority (CIMA), BVI Financial Services Commission, Dubai VARA, and ADGM (Abu Dhabi), plus Money Transmitter Licenses across 50 US states and FINTRAC MSB registration in Canada.
Key Infrastructure.
Each vault operates under a single defined mandate with a specific risk tier, RWA, DeFi, private credit, or geographic-specific strategies.
zTOKENs appreciate as the vault's NAV rises, mirroring traditional fund accounting on-chain with no inflationary reward emissions.
Fund managers retain operational discretion within mandate boundaries while Fordefi MPC technology provides protocol-level security safeguards.
Built-in KYC, AML, and sanctions screening processes every payment flow automatically with smart routing to 80+ bank partners for optimal FX rates, lowest fees, and fastest settlement.
Handles high-value corporate treasury movements, family office cross-border transfers, and institutional payment flows with dedicated customer success management.
Provides the full tokenization stack — smart contract deployment, MPC wallet custody, oracle integration, compliance framework, and investor onboarding — allowing asset managers to create structured, compliant, tokenized fund products without building the technical infrastructure from scratch.
Designed for professional fund participation with mandatory KYC and regulated fund architecture.
Purpose-built for the emerging agentic economy where machine-native commerce requires infrastructure that can handle programmatic payments, automated treasury management, and real-time settlement without human intervention.
Supports both institutional clients automating corporate treasury flows and AI-driven applications needing native on-chain financial rails to execute payments at machine speed.
Addresses the critical business requirement where existing public blockchain infrastructure exposes supplier details, payment volumes, and treasury data to competitors.
Built specifically for institutions operating across the Global South where privacy is not just a technical feature but a fundamental business necessity for competitive positioning.
This licensing framework enables compliant operations across major financial corridors connecting the Global South to developed markets, with each license supporting specific product lines — VARA for payment orchestration, CIMA for offshore vault structures, and FINTRAC for North American payment corridors.
Additional Features.
General Questions.
Zoth is a privacy-first stablecoin neobank providing full-stack financial infrastructure for the Global South. Its core products include zVaults (institutional-grade tokenized yield vaults offering up to 16% APY via RWA-backed strategies), zPayments (cross-border stablecoin payment rails with same-day settlement into local currencies across 80+ bank partners), Tokenize (Fund-as-a-Service for launching on-chain investment vehicles), and Agentic (API-based programmable payments for AI agents). A card product is listed as Coming Soon.
Zoth serves neobanks integrating its yield infrastructure, family offices moving multi-million dollar cross-border payments, Web3 startups using zOPAL for treasury management, and Fortune 100 companies processing stablecoin settlements through VARA-licensed rails. The platform targets institutions in the Global South — Middle East, Africa, Southeast Asia, and Latin America — where traditional banking infrastructure is inadequate for stablecoin-based commerce.
Yes. Zoth operates under eight regulatory licenses: Cayman Islands Monetary Authority (CIMA), BVI Financial Services Commission, Dubai Virtual Assets Regulatory Authority (VARA), Abu Dhabi Global Market (ADGM), Money Transmitter Licenses across all 50 US states, and FINTRAC Canada (MSB registration). The platform is AML/CFT compliant across all jurisdictions with mandatory KYC for vault participation.
zVaults first strategy (zOPAL) is deployed on Base (Coinbase L2). The platform supports EVM-compatible networks and has a strategic partnership with Movement blockchain for building $1B cross-border payment rails. Supported stablecoins include USDC and USDT for yield vault deposits and payment processing. All vault tokens are ERC-20 compliant, interest-bearing zTOKENs that appreciate based on Net Asset Value performance.
