ZOTH
- Company typePrivate
- Founded2023
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
ZOTH firmographics
Firmographics- Name
- ZOTH
- Legal name
- Zoth
- Website
- https://zoth.io
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
ZOTH industry classification
Industry- Product category
- Digital Banking
- NAICS
- Securities and Commodity Exchanges (52321)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury) (FSAGAMAD)
- akta.pro secondary industries
- Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), DEX Aggregation & On-Chain Execution (routing, RFQ, intent-based trading) (FSAPAEAD), DEX Aggregators & Smart Order Routing (FSADABAC), DEX Analytics, Indexers & Trading Terminals (FSADABAK)
Keywords
Where ZOTH is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices3 records
Markets served
ZOTH business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others
Revenue model
- Cross-Border Payments (zPayments): 0% platform fees advertised; revenue likely derived from FX spread/markup, partner settlement fees, and smart-routing optimization across 80+ bank partners.
- zVaults Yield Spread: Yield earned on $250M+ of tokenized RWA and DeFi strategies, with APY paid out to users (up to 16%) and spread retained by protocol.
- Fund-as-a-Service (Tokenize): Institutional service fees for launching and managing compliant tokenized funds, with $250M+ locked and 7 partners onboarded.
- Zoth Cards (Coming Soon): Card-based spending of digital assets; revenue model not yet disclosed, but likely transaction-based / interchange.
- Agentic Payments API: Future revenue stream from programmatic agent-to-agent payments via secure, programmable APIs (beta).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | zPayments: 0% platform fees, FX-aligned rates |
| Other | Pay-as-you-go | zVaults zOPAL: up to 16% APY, no minimums, daily liquidity |
| Other | Multi-year contract | Tokenize (FaaS): quote-based enterprise service |
Go-to-market motion1 record
Distribution channels5 records
ZOTH product offering
Product offeringCore offering
ZOTH operates a privacy-first stablecoin neobank platform combining yield vaults (zVaults), cross-border payments (zPayments), tokenized fund infrastructure (Tokenize Fund-as-a-Service), and AI agent payment rails (Agentic Payments). The platform issues the ZeUSD stablecoin and operates the PayX7 cross-border settlement network across 80+ bank partners and 190+ countries, anchored by a multi-jurisdiction regulatory footprint.
Product overview
Zoth is a privacy-first stablecoin neobank platform (single unified product plus modules) positioned as the secure full-stack neobank for the global south and the agentic economy. The platform is anchored on four core modules: zVaults (institutional-grade RWA/DeFi yield vaults featuring the zOPAL vault), zPayments (compliant cross-border payments across 80+ bank partners), Tokenize (a Fund-as-a-Service for tokenized investment vehicles regulated under CIMA/BVI FSC), and Agentic Payments (a four-layer AI agent infrastructure with Reasoning Engine SDK, ZK Rollup settlement, and trustless compliance). Upcoming offerings include Zoth Cards for digital asset spending. The platform also operates its own stablecoin ZeUSD and the PayX7 cross-border settlement system, plus sub-products Atlas (DeFi yield), ZLTN Prime (tokenized RWA), and the Zoctopus ecosystem rewards program.
Differentiator
Problem solved
Functional benefit
Brands
- zVaults: Institutional-grade yield vaults delivering curated RWA and DeFi yields, including the zOPAL vault targeting up to 16% APY.
- zPayments
- Tokenize (Fund-as-a-Service)
- Agentic Payments
- ZeUSD
- PayX7
- zOPAL
- Atlas
- ZLTN Prime
Products and services
- zVaults Institutional-grade yield vaults delivering curated RWA and DeFi yields with up to 16% APY, daily liquidity, no lock-ins, MPC custody, pre-audited smart contracts, and automated risk controls. Regulated under CIMA (Cayman Islands Monetary Authority) and managed under BVI FSC.
- zPayments Institutional-grade cross-border payments product with instant settlement across 80+ bank partners, built-in KYC/AML/sanctions compliance, smart routing for optimal FX rates, and zero platform fees. Serves MTOs, PSPs, SMEs, importers/exporters with $500M+ total payment volume processed.
- Tokenize (Fund-as-a-Service) Fund-as-a-Service offering for launching and managing tokenized on-chain investment vehicles including RWA, real estate, bonds, and DeFi funds. Regulated under CIMA and managed by BVI FSC, enabling compliant fund launch in under 4 weeks with ring-fenced SP structures.
- Agentic Payments Four-layer AI agent infrastructure stack enabling developers and institutions to build, deploy, and scale financially autonomous AI agents via programmable APIs. Includes Reasoning Engine SDK, sovereign ZK-rollup settlement with 140ms target, Agent ID (KYA) protocol, programmable capital (Treasury, Yield Optimization), and trustless compliance.
- ZeUSD Zoth-issued stablecoin that earns interest and powers real-time cross-border stablecoin payments via PayX7. Powers the first RWA Restaking Layer with ZeUSD and is integrated for cross-border settlement across 190+ countries.
- PayX7 Cross-border settlement platform integrated with ZeUSD stablecoin for real-time stablecoin payments, targeting $100 million in monthly payment volume with interest-bearing stablecoin balances accepted across 190+ countries.
Quantifiable outcome
- Up to 16% APY on zVaults Open Vault with zero lock-ins
- +5 more outcomes
Companies that use ZOTH
Customer profileNamed customers4 records
Ideal customer profiles7 records
ZOTH technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability6 records
Feature8 records
ZOTH partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered flagship and core.
- BakktflagshipSigned an MOU in May 2026 establishing a strategic partnership. Zoth operates as Authorized Agent within Bakkt Financial Solutions I, LLC's US licensing structure (BitLicense + FinCEN MSB). Combined offering targets $1B in annualized stablecoin payment volumes across USA to South Asia, Philippines, Nigeria, Middle East, and UAE to South Asia corridors.
- MovementflagshipStrategic partnership to build a $1B cross-border rail and global settlement layer for stablecoins, built on the Move programming language. Movement is also a preferred chain in Zoth's ecosystem.
- Singularity FinancecoreTeamed up with Zoth to launch tokenized Real World Asset ZLTN Prime.
- Singularity Venture Hub (SVH) / IntellistakecoreStrategic partnership to advance global tokenization infrastructure. SVH integration enhances Zoth's tokenization and stablecoin ecosystem (including PayX7/ZeUSD); Intellistake is in the process of acquiring SVH.
- ChainlinkflagshipIndustry-standard oracle platform bringing capital markets onchain; powers DeFi integrations within Zoth's ecosystem.
- PaxosflagshipEnterprise blockchain infrastructure regulated by the OCC (US), FIN-FSA (EU), and MAS (Singapore); supports stablecoin and tokenization capabilities.
- FireblocksflagshipInfrastructure trusted by 2,400+ institutions to scale stablecoins, custody, and digital asset operations; integrated into Zoth's payments and vault stack.
- BaseflagshipPreferred L2 chain built by Coinbase, trusted by leading institutions; integrated into Zoth's multi-chain ecosystem.
- AvalanchecorePreferred chain partner for real-world business and institutional tokenization use cases.
- BlackOpalcoreLATAM's global payments and finance platform, connecting Brazil's $750B credit card market to global capital via dual TradFi and Web3 rails; also a yield partner for zVaults.
- Huma FinancecoreReal yield backed by real-world payments; integrated into Zoth's ecosystem for yield strategies.
- Fordefi
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
ZOTH competitors and assessment
Company assessmentDirect peers
- Bridge (Stripe): Bridge is a stablecoin API platform acquired by Stripe, focused on cross-border payments and on/off-ramp infrastructure. It overlaps directly with Zoth's zPayments and stablecoin-neobank offering, with substantially more capital and distribution post-Stripe acquisition.
- Zero Hash: Zero Hash provides crypto and stablecoin banking-as-a-service infrastructure for fintechs and institutions, including custody, payments orchestration, and regulatory licensing wrappers. Comparable to Zoth's regulated infrastructure layer powering zPayments and Tokenize.
- Wirex: Wirex is a crypto neobank offering multi-currency accounts, debit cards, and on-chain yield products to retail and business users. Comparable to Zoth on the integrated neobank + yield + payments model, though more retail-oriented.
- Securitize: Securitize is a regulated platform for issuing and managing tokenized real-world assets and funds. Directly comparable to Zoth's Tokenize Fund-as-a-Service offering, with deeper penetration into US institutional tokenization.
- BVNK: BVNK is a stablecoin banking and payments infrastructure provider serving businesses with cross-border payouts, multi-currency accounts, and fiat on/off-ramps. It directly competes with Zoth's zPayments on enterprise cross-border flows and shares the same B2B fintech corridor thesis.
Broad incumbents
- Ripple: Ripple operates the XRP Ledger and Ripple Payments network for cross-border value transfer, and is both a Zoth investor and ecosystem partner. It is a broad incumbent competing for the same cross-border and stablecoin payments corridors.
- Circle: Circle is the issuer of USDC and an expanding payments and treasury platform with cross-border, custody, and onchain banking capabilities. A broad incumbent in the stablecoin banking space where Zoth is building, with substantially larger scale and regulatory footprint.
Emerging players
- Skyfire: Skyfire is building payment-rail infrastructure specifically for autonomous AI agents to transact and pay for services. Most direct competitor to Zoth's Agentic Payments product, though focused solely on the agentic layer rather than a full-stack neobank.
Regional players
- Bitnob: Bitnob is a crypto payments and remittance platform focused on Sub-Saharan Africa, offering cross-border payouts, savings, and on-chain yield to African users. Comparable to Zoth's Global South banking positioning, but geographically concentrated in Africa.
- Airtm: Airtm is a digital payments and remittance platform focused on Latin America, providing cross-border payouts to freelancers and businesses in emerging markets. Comparable to Zoth's emerging-market payments thesis, though concentrated in LATAM rather than MENA/South Asia.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ZOTH social profiles
Digital presenceZOTH compliance and trust
Trust signalCompliance7 records
ZOTH financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZOTH leadership team
Management profileNumber of profiles
ZOTH subsidiaries and ownership
Company hierarchySubsidiaries1 record
ZOTH funding detail
Funding detailFunding overview
Funding rounds9 records
Investors28 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZOTH M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ZOTH
What does ZOTH do?
ZOTH operates a privacy-first stablecoin neobank platform combining yield vaults (zVaults), cross-border payments (zPayments), tokenized fund infrastructure (Tokenize Fund-as-a-Service), and AI agent payment rails (Agentic Payments). The platform issues the ZeUSD stablecoin and operates the PayX7 cross-border settlement network across 80+ bank partners and 190+ countries, anchored by a multi-jurisdiction regulatory footprint.
Is ZOTH a public or private company?
ZOTH is a private company. It is classified as venture growth investor backed and is currently operating.
When was ZOTH founded?
ZOTH was founded in 2023. It employs 11 to 50 people.
Where is ZOTH based?
ZOTH is headquartered in Singapore, Singapore, in the Asia region.
How does ZOTH make money?
Five revenue lines are on record. Cross-Border Payments (zPayments) is the primary driver. The others are zVaults Yield Spread, fund-as-a-Service (Tokenize), zoth Cards (Coming Soon) and agentic Payments API.
Who are ZOTH's main competitors?
Direct peers on record are Bridge (Stripe), Zero Hash, Wirex, Securitize and BVNK. Broad incumbents are Ripple and Circle. Skyfire is listed as an emerging player. Regional players are Bitnob and Airtm.
Does ZOTH have an API?
Yes. Agentic payment infrastructure with secure, programmable APIs that enable developers and institutions to build, deploy, and scale financially independent AI agents capable of transacting autonomously. The API stack includes a Reasoning Engine SDK at the agent layer, sovereign settlement protocols (ZK Rollup, Agent ID), programmable capital (Treasury, Yield Optimization), and trustless compliance (Contract Guard, Proof of Task). Currently in Beta / Coming Soon status with a waitlist for early access. Developer documentation is at docs.zoth.io/zoth.
What industry is ZOTH in?
ZOTH's product category is Digital Banking. Its primary akta.pro industry code is FSAGAMAD, On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury), with a secondary code of FSADAIAD, Crypto Remittance & Cross-Border Money Transfer Providers. Its NAICS code is 52321 and its SIC code is 6200.