Most financial products remember your balance. Very few remember how you actually participate. That gap becomes a strategic problem as platforms evolve from single-use products into full ecosystems.

As Zoth grows, participation shouldn’t disappear the moment an action is completed. It should accumulate. It should align. And it should mean something.

Zocta Points are designed to do exactly that.

What are Zocta Points?

Zocta Points are Zoth’s ecosystem rewards layer, connecting every meaningful action across the ecosystem into one unified system.

They are non-monetary by design, built to reward consistency and contribution, not short-term speculation.

Making Participation more Meaningful across Zoth

Not every meaningful action looks the same. Some participants help the ecosystem grow by adopting products. Some by bringing in new users. Some by contributing, advocating, and extending Zoth’s reach in ways that don’t fit neatly inside a single transaction.

Zocta Points are built around that reality, making meaningful activity more visible, more connected, and more rewarding across the entire ecosystem.

How to Collect Zocta Points

1. ADOPT

Earn Zocta Points by actively using Zoth products and deepening your participation across the ecosystem. This is about real product adoption. Not passive presence. Not surface-level interaction. Actual usage that strengthens the ecosystem.

2. REFER

Bring new users into Zoth through referrals and earn points as they join, explore products, and become active participants. Referrals do more than grow numbers. They reflect trust. And they bring aligned participants into the network.

First Activation: zOPAL Referrals

Zocta Points will first be activated through the zOPAL referral program, rewarding meaningful participation. zOPAL LPs will be able to create referral codes and invite new participants into the ecosystem. Points are awarded when referred users become active LPs by depositing.

3. BOOST

Support Zoth’s growth through meaningful community participation, advocacy, and ecosystem contribution. Some of the most valuable actions in any ecosystem don’t live inside a single transaction. They come from helping the platform reach further and connect better over time. Zocta Points are built to recognize that kind of contribution too.

How to Redeem Zocta Points

Collecting Zocta Points is only one side of the loop. The other side is utility.

Claim: Redeem your Zocta Points for $ZOTH tokens after TGE, turning ecosystem activity into a deeper stake in the Zoth network.

Access: Beyond the platform, curated events, concerts, and private experiences for active participants.

Collect: Participation that lives beyond the screen, branded wearables, collectibles, and limited-edition drops.

From Activity to Alignment

Zocta Points are not being introduced to make the ecosystem more active. They are being introduced to make it more aligned.

Consistent participation is recognized and contribution are compounded. Meaningful action connects back to one shared rewards layer, across every product, every user, every interaction.

One ecosystem. One rewards layer. At the centre of it all — Zocta Points.

Together, Bakkt’s US licensing stack and Zoth’s Global South payment rails will open compliant, high-volume money movement leveraging stablecoin rails across the world’s fastest-growing remittance corridors.

[Singapore] — May 2026 — Zoth, the privacy-first stablecoin neobank purpose-built for the Global South & the Agentic Economy, and Bakkt, Inc., a regulated digital asset infrastructure company, have signed an MOU establishing the framework for a strategic partnership. Bakkt’s participation runs through its licensed subsidiary Bakkt Financial Solutions I, LLC, which holds pan-US money transmitter licenses.

The partnership was previewed at Bakkt’s Investor Day on March 17, 2026 — marking the first public signal of the collaboration. Bakkt brings the regulatory and licensing infrastructure that enterprise clients demand.

Zoth brings the payment corridors, on-the-ground market operations, and compliant last-mile infrastructure across high-growth emerging markets. Together, they will form a full-stack solution for compliant, institutional-grade cross-border payments at scale.

The Compliance Advantage other Payment Infrastructures cannot Replicate

The stablecoin infrastructure for cross-border payments exists. The demand from financial institutions and money transfer operators (MTOs) is real. The blocker has always been regulatory compliance.

Large MTOs and regulated financial institutions need global coverage.Most operators in this space have not solved this.

By securing a US-licensed counterparty through Bakkt’s regulatory framework, Zoth will hold a structural compliance advantage that competing payment infrastructure providers cannot easily replicate.

Under the partnership, Zoth will operate as an Authorized Agent within Bakkt Financial Solutions I, LLC’s licensing structure, giving Zoth’s enterprise MTO pipeline the US-licensed counterparty they need to clear compliance gates and close deals.

Bakkt: The Complete US Licensing Stack in Digital Assets

Choosing a licensing partner is not just a compliance decision. It is a trust signal that determines whether enterprise deals get signed or stall. Bakkt Financial Solutions I, LLC’s credentials speak directly to what Zoth’s institutional partners require.

• Money Transmitter Licenses held by Bakkt Financial Solutions I, LLC across the US
• New York BitLicense, the most stringent and comprehensive digital asset licensing regime in the United States
• FinCEN MSB Registration, federal registration under the Bank Secrecy Act

For Zoth’s enterprise partners, this is not a licensing workaround. It is the credential stack that closes deals.

Zoth: The Operator Built for the Global South

Bakkt brings the regulatory stack. Zoth brings the network.

Zoth has built the operational depth, local partnerships, and platform infrastructure needed to move money efficiently and compliantly across markets that traditional financial infrastructure has consistently underserved.

Strategic Partnerships:

• Intellistake- Canadian Stock Exchange-listed company supporting compliant, institutional-grade digital asset infrastructure.
• Olea (Standard Chartered)- Trade finance platform making global trade faster, simpler, and more accessible.
• Chainlink- Leading infrastructure provider for cross-chain interoperability and on-chain connectivity.

Product Offerings:

• Zoth Vaults- Sustainable Yield via DeFi & RWA Strategies
• Zoth Regulated Funds- Yield for Institutional Treasuries
• Zoth Payments- Cross-Border Payment Orchestration with Licensed Partners
• Zoth Agentic Payments- AI Agent-Enabled Payments for Autonomous Finance

Backed by leading investors including SOSV, Taisu Ventures, Borderless Capital, and Blockchain Founders Fund, and with over $75M in yield products already sold and has a $300 million annualized TPV, Zoth enters this partnership as a proven operator with the market infrastructure, enterprise relationships, and regulatory groundwork already in place.

Pritam Dutta, Co-Founder and CEO of Zoth, said, “Stablecoin infrastructure is ready. What large institutions have been waiting for is the regulatory configuration that gives them confidence to sign. By combining Bakkt’s US licensing stack with Zoth’s payment infrastructure and on-the-ground market operations, we are creating a template for how cross-border payments in the Global South move from pilots to production at scale. This partnership does not just benefit Zoth. It benefits every enterprise partner that has been waiting for a compliant, credentialed solution built to operate.”

The Corridors: Where the Volume Lives

The remittance corridors that Zoth operates in are not niche markets. They represent some of the highest-volume payment flows in the world. For Bakkt, this partnership extends its licensed US infrastructure into the world’s fastest-growing emerging market corridors.

For Zoth, it unlocks the US-licensed counterparty that enterprise clients across the Middle East, Africa, and South Asia require before signing.

Together, they cover both ends of the world’s most valuable remittance flows:

• USA to South Asia: the single largest remittance corridor in the world, consistently ranking as the highest-volume US outbound payment flow globally and a primary growth market for US-licensed payment operators
• USA to Philippines and Nigeria: among the highest-volume US outbound corridors globally, now accessible with full compliance infrastructure in place
• USA to Middle East: a high-growth corridor serving the GCC’s large expatriate workforce base
• UAE to South Asia: the largest remittance corridor in the entire Middle East
• Sub-Saharan Africa: Uganda, Kenya, Nigeria, Ghana, and South Africa

Zoth brings to this partnership what takes most operators years to build: active payment corridors across high-growth emerging markets, on-the-ground operations and local banking relationships across the GCC, South Asia, and Southeast Asia, and in-country payment infrastructure that connects institutional payment flows to the end beneficiary. This is not theoretical market access. It is a live, operational network.

For US-based MTOs, this partnership offers something rare: a fully licensed, end-to-end payment infrastructure that covers the entire US to Global South corridor stack with compliance built in from both ends.

Zoth is in partnership with major MTOs across the GCC — enterprise operators with multi-branch footprints and Central Bank licenses. With the coming partnership, the Bakkt partnership scales Zoth’s infrastructure across the North American markets.

About Zoth

Zoth is building a privacy-first stablecoin neobank for the Global South and the emerging Agentic Economy, an integrated financial infrastructure that unifies yield, payments, cards, liquidity, compliance, and security into a single, institution-grade platform for individuals, institutions, and AI agents.

Visit: https://zoth.io

Media Contact

For inquiries: contactus@zoth.io

zOPAL Alpha is officially live. If your wallet is whitelisted, you can now deposit and start earning up to 16% APY from day one.

This is the earliest and most advantageous entry point into zOPAL before broader market access. Alpha participants get priority access to yield, incentives, and future ecosystem advantages as we scale.

Here is everything you need to know about the Alpha Phase, who gets access, and how you can maximize your benefits.

Access Model: Whitelisted Wallets Only

To ensure a secure and controlled rollout, Alpha access is strictly limited to whitelisted wallets.

Only approved addresses can:

• Interact with zOPAL smart contracts
• Deposit funds into zVaults
• Start earning yield

This exclusive phase allows us to strengthen our infrastructure alongside our most trusted pioneers while delivering them the highest tier of early-adopter benefits.

Who Has Alpha Access?

You’re eligible if you fall into one of the following:

• Pre-Deposit Registrants: Guaranteed access for early sign-ups
• Zoth & BlackOpal Inner Circle, LPs: Core backers and strategic partners
• Zoth Ambassadors: Global community contributors with VIP access

Why Enter Alpha Now?

This isn’t just early access, it’s your opportunity to capture maximum upside before the broader market arrives.

Participants in the Alpha Phase can earn up to 16% APY on their stablecoin deposits:

• 12% Vault APY: Powered by RWA yield strategy.
• 4% Boosted APY: Earned in Zocta Points. [ Read more ]

Yields are powered by institutional-grade, asset-backed strategies from BlackOpal and Superstate, designed to generate real returns while prioritizing capital efficiency.

Early participants benefit the most:

• Maximum yield exposure before TVL scales
• Higher Zocta Point accumulation
• Strong positioning for future rewards and access

As more users enter, yield dynamics and incentive structures may evolve that is why early entry matters.

Why zOPAL?

zOPAL is built to bring institutional-grade, asset-backed finance fully on-chain through structured vault strategies.

Key focus:

• Real yield (not purely emissions-driven)
• Scalable, asset-backed strategies
• A phased rollout to ensure security and trust

Built-In Institutional Security and Risk Management:

Zoth’s zOPAL has institutional-grade security framework which integrates FORDEFI MPC custody to eliminate single points of failure, while CYVERS provides 24/7 real-time monitoring against on-chain threats. Rigorous smart contract integrity is maintained through manual ENTERSOFT audits and continuous AI-driven verification. Operationally, we employ air-gapping, Zero-Trust endpoint security, and strict Role-Based Access Controls (RBAC). This multi-layered approach ensures that institutional capital is protected by the industry’s most robust financial, technical, and operational safeguards.

Alpha is Phase Two

zOPAL is rolling out in stages to scale safely and sustainably:

• Pre Deposit — Expression of Interest (EOI) Campaign to secure priority access before the vault opens [Completed]
• Alpha — Exclusive access, initial TVL, early incentives
• Beta — Referral system + expanded access
• Public — Open access, full-scale adoption

Each phase builds on the last. Alpha users are positioned at the very start of this curve.

What Happens Next?

• Alpha users will be first to unlock and benefit from these features
• Beta phase will introduce referral mechanics and broader access
• Additional incentives and ecosystem utilities will expand over time

Get Started Now

If you’re whitelisted:

1. Enter now → app.zoth.io

2. Connect to the app

3. Deposit and start earning

Not on the list yet? Don’t worry you can still register and secure your spot now.

Early users capture the highest upside and don’t wait for public access.

The inaugural zVaults strategy, zOPAL, is preparing for its first on-chain deployment, launching on Base. We are now opening our Pre-Deposit Campaign to build an exclusive list of investors ahead of Public Launch.

The race to the first $5M TVL is on. Deposit early to lock in ‘Early Bird’ status and maximize returns from zOPAL investments through additional exclusive benefits.

Early Bird Perks Include:

• 0% Withdrawal Fees: Retain 100% of your earnings for the investment made in the Pre-Deposit phase.
• Dedicated Support Channel: Skip the queue with direct access to our core team.
• ‘Zoctopus Pioneer’ Recognition: Earn exclusive badges and social proof as a day-one backer.
• Plus: Early-access whitelist spots for upcoming zVaults features.
• The 24K Gold Zocta Card: We are honoring our top 10 “Early Bird” users with a 24K Gold Zocta Card.

What is the Pre-Deposit EOI Campaign?

Before the zOPAL Vault opens for live deposits, Zoth is running a 7-day Pre-Deposit Expression of Interest window to build a qualified list of investors who are ready to deposit from day one.

Here’s what that means for you:

• You register your interest before the vault opens
• You get priority access when deposits go live
• You qualify for additional benefits for your early deposit contributing to our initial $5M TVL milestone
• You receive early notifications on every next step
• You become part of a warm, verified pipeline, not a cold queue

The campaign runs for 7 days. At the end of it, we’ll have wallet addresses, contact details, and intended deposit amounts from a ready, qualified audience. The investors on this list are the ones who move first.

How to Register Your Interest

The process is straightforward and takes under two minutes.

Step 1 — Visit the zOPAL Pre-Deposit page on the Zoth webapp → https://app.zoth.io

Step 2 — Connect your Wallet

Step 3 — Fill the Expression of Interest form:

• Nick name*
• Telegram handle*
• Email address
• Discord handle
• Intended deposit amount*

Step 4 — Submit and confirm

At the end of this phase, we will have a qualified set of wallet addresses, capital commitments, and early participants ready to deploy from day one.

These are the participants who move first, and benefit first.

The Pre-Deposit is Just the Beginning

zOPAL isn’t launching in a single moment, it’s rolling out in stages. Each stage is designed to deepen trust, expand reach, and grow TVL in a structured, deliberate way. Here’s how the full journey looks:

Every stage builds on the last. The earlier you register, the deeper your access, and the better your position as zOPAL scales.

Register Now, The Window is Open for 7 Days Starting from 19th March

The Pre-Deposit EOI campaign is live. The form is open. The list is being built.

Secure Your Early Bird Spot Now→

If you’re ready to allocate, don’t wait for launch day. The investors who register now are the ones who get in first, hear first, and move first.

More updates coming via Zoth’s socials.

Zoth’s zVault infrastructure brings asset-backed finance on-chain, transforming inefficient stablecoin capital into institutional-grade yield.

What are zVaults?

zVaults represent the foundational infrastructure layer of the Zoth Neobank, serving as specialized, yield-generating investment vehicles that bridge traditional fund management with blockchain technology. Each zTOKEN is an ERC-20 compliant, interest-bearing token where the token price appreciates over time to reflect accumulated yield from underlying investment strategies.

The infrastructure includes several distinct categories.

Real-World Asset (RWA) Vaults: RWA vaults bridge traditional capital markets with on-chain transparency, tokenizing exposure to commodities, equities, and secured lending. A key driver is Asset-Backed Financing, which directs capital into structured arrangements secured by high-quality, short-duration receivables. By integrating these structures, RWA vaults allow investors to capture yield from real economic activity through programmable, liquid assets.
DeFi Strategy Vaults: DeFi vaults deploy capital natively on-chain across liquidity provision, lending markets, derivatives, and active trading strategies. These strategies can operate across multiple blockchain networks and protocols, capturing digital asset-native yield opportunities.
Lending Vaults: Lending vaults focus on structured lending arrangements. This strategy emphasizes predictable yield generation through negotiated terms and defined collateral frameworks.
Mixed Vaults: Mixed asset vaults offer diversified exposure by blending different strategies into a single vehicle.

The Infrastructure Gap That Locked Out Everyone Else

Some of the best-performing investment strategies in finance have never been accessible to most investors. Until now, these were available only to institutional allocators with the right connections, the right minimums, and the patience for multi-year lock-ups.

This changes today.

zOPAL is just the Beginning

zVaults are not built around a single strategy. The Zoth zVault infrastructure is designed to bring premier institutional strategies on-chain, providing a gateway to high-tier financial products.

zOPAL serves as the inaugural vault, the first proof that asset-backed financing can be tokenized, verified, and made liquid on-chain without compromising institutional standards. As the ecosystem scales, zVaults will continue to offer more curated strategies to meet the evolving needs of both retail and institutional investors.

Introducing zOPAL

zOPAL is the first tokenized investment vehicle built on the zVault infrastructure, providing on-chain access to BlackOpal’s LiquidStone II strategy. This vault transforms idle capital into yield-bearing assets backed by investment-grade receivables. To ensure seamless liquidity, the strategy incorporates a “Liquid Sleeve” composed of regulated, market-neutral instruments, utilizing premier providers like Superstate alongside other blue-chip, institutional-grade assets.

Yield Structure: The vault targets APY of 16%, broken down as follows:

• Up to 12% Base APY: Sourced from the underlying BlackOpal’s LiquidStone II strategy.
• Up to 4% Boosted Yield: Provided directly by Zoth to enhance participant returns.

When you deposit USDC or USDT into the zOPAL vault, you receive zOPAL tokens representing your share of the vault. Those tokens accrue value as the underlying strategy generates yield. When you redeem, you receive your principal plus earned yield in stablecoins, and your zOPAL tokens are burned.

No waiting for a quarterly window. Capital earns from the day you deposit to the day you withdraw.

Inside BlackOpal’s strategy: Two Engines, One Institutional Strategy

BlackOpal’s strategy, utilizing an optimized dual-engine allocation across two distinct yield sources to maximize risk-adjusted returns.

The Credit Engine — 50% to 75% allocation

BlackOpal purchases bundles of short-duration Brazilian credit card receivables, the future payments that merchants are owed by card issuers, with an average 30-day maturity. Repayments are intercepted directly from Visa and Mastercard settlement networks into BlackOpal’s segregated account. Both are AA+ rated institutions. All BRL currency exposure is hedged to USD using Non-Deliverable Forwards (NDFs).

The Liquidity Engine — 25% to 50% allocation

The remaining fund is allocated to Superstate’s USCC, a regulated market-neutral basis trading strategy that generates non-directional yield and provides daily settlement capability supporting the vault’s redemption liquidity.

The Strategic Foundation: Why zVaults Deployed on Base

zVaults are deployed on Base, and the choice is deliberate. Base has emerged as the dominant L2, leading in TVL growth, transaction volume, and developer activity. It brings institutional credibility directly into the infrastructure layer, EVM compatibility that ensures seamless DeFi interoperability, and a thriving community of builders, protocols, and users, making it the most active ground for on-chain finance.

About Zoth

Zoth is building a privacy-first stablecoin neobank for the Global South and the emerging Agentic Economy, an integrated financial infrastructure that unifies yield, payments, cards, liquidity, compliance, and security into a single, institution-grade platform for individuals, institutions, and AI agents.

Visit: https://zoth.io

About LiquidStone II

LiquidStone II is a tokenized asset-backed financing product issued by BlackOpal. The product combines short-duration Brazilian credit card receivables, carrying structurally zero credit risk, with a regulated liquid yield strategy, targeting 14% APY with no lockup, and 1–5 day settlement. LiquidStone II has maintained zero realized credit default since inception.

BlackOpal is a payments financing platform specializing in short-duration, investment-grade Brazilian receivables, delivering compelling risk-adjusted yield with low correlation to the broader market.

Visit: https://www.blackopal.finance

Zoth is unlocking the earn layer of its neobanking stack with the introduction of zVault Infrastructure, a purpose-built system that brings institutional-grade fund architecture on-chain.

This launch marks a foundational milestone in Zoth’s broader mission: building a privacy-first stablecoin neobank for the Global South and the emerging Agentic Economy, an integrated financial infrastructure that unifies yield, payments, cards, liquidity, compliance, and security into a single, institution-grade platform.

At its core, zVault transforms yield generation from fragmented DeFi tactics into structured, strategy-defined, tokenized investment vehicles. It is programmable fund infrastructure.

In a world increasingly shaped by AI-driven commerce and borderless digital businesses, yield is no longer optional. It is the capital engine that powers both human and machine-native economies. zVault is designed to become that engine.

What are zTOKEN Vaults?

zTOKEN vaults are specialized, yield-generating investment vehicles built directly into the ecosystem.

Each zTOKEN is an ERC-20 compliant, interest-bearing token that represents a proportional claim on a vault’s Net Asset Value (NAV). Rather than maintaining a fixed price, the token appreciates over time as the underlying strategy generates returns.

The structure mirrors traditional asset management:

• Investors hold shares of a fund.
• The fund’s NAV rises as returns are generated.
• Each share reflects a proportional claim on that NAV.

The difference is that this accounting, settlement, and composability are executed on-chain.

zTOKENs are therefore best understood not as stablecoins, but as tokenized fund shares — transparent, programmable, and blockchain-native.

Strategy-Specific Vault Architecture

zVaults are not mixed-strategy yield aggregators. Each vault is built around a single defined mandate and a clearly assigned risk tier.

This eliminates style drift and ensures structural clarity. Investors know what strategy they are accessing and what risk profile they are assuming.

The ecosystem includes several distinct categories.

Real-World Asset (RWA) Vaults: RWA vaults provide tokenized exposure to traditional financial instruments such as commodities, secured lending structures, and equity positions. These vehicles bridge off-chain capital markets with on-chain settlement and transparency, enabling structured exposure to real economic activity.

DeFi Strategy Vaults: DeFi vaults deploy capital natively on-chain across liquidity provision, lending markets, derivatives, and active trading strategies. These strategies can operate across multiple blockchain networks and protocols, capturing digital asset-native yield opportunities.

Private Credit & Lending Vaults: Private credit vaults focus on structured lending arrangements and direct credit facilities. These strategies emphasize predictable yield generation through negotiated terms and defined collateral frameworks.

Geographic-Specific Vaults: These vaults concentrate on jurisdiction-specific opportunities or regional macro themes, allowing capital allocation aligned with geographic focus and regulatory context.

Across all categories, the principle remains consistent: one strategy, one mandate, one risk tier.

How Yield Accrues

Yield generation within zVaults is embedded directly into token pricing.

When capital is deployed into the vault’s strategy and returns are generated, the vault’s NAV increases. As NAV rises, the value of each zTOKEN appreciates proportionally.

While we may explore incentive structures in the future, the current model prioritizes organic growth: there are no inflationary reward emissions. Performance is reflected transparently in the appreciating share price.

This structure aligns capital growth directly with strategy performance, mirroring traditional fund accounting while leveraging blockchain-based transparency.

Institutional Design: Flexibility with Defined Boundaries

zVault architecture is deliberately designed to balance fund manager autonomy with protocol-level security and compliance.​

Managerial Flexibility: Within the scope of a vault’s mandate, fund managers retain substantial operational discretion. They can adjust allocations, select protocols or counterparties, modify position sizing, and adapt to evolving market conditions without requiring governance intervention.

Managers may deploy capital across supported blockchain networks, DeFi protocols, and tokenized real-world assets. This flexibility enables dynamic risk management and active alpha generation comparable to traditional hedge fund operations.

The mandate defines the boundaries; within those boundaries, managers execute independently.

Protocol-Level Safeguards: While managers oversee strategy execution, security is hardcoded via Fordefi’s MPC vault technology. This ensures managers can only move funds between pre-authorized strategy addresses; any other action is strictly disabled by the protocol unless a formal permission request is submitted and verified.

All vault contracts include emergency pause functionality. In exceptional circumstances, the Zoth Foundation can halt deposits, withdrawals, or strategy execution to mitigate systemic or contract-level risks. This circuit-breaking capability is designed for crisis containment without interfering with normal operations.

In the upcoming phase, participation in zTOKEN vaults will be supported by a mandatory KYC framework. This permissioned model supports regulatory compliance and auditability, aligning the infrastructure with institutional capital requirements.

The vault layer is therefore structured for professional fund participation, while higher-level products built on top of it can offer broader accessibility.

zVault as the Yield Substrate of the Neobank

zVault is not an isolated feature. It is the foundational earn layer of the Zoth Neobank.

By structuring yield generation within defined vaults:

• Capital deployment becomes modular and composable.
• Risk can be tiered and categorized.
• Higher-level products can aggregate structured strategies.
• Institutional participants can onboard within a compliant framework.

Rather than relying on fragmented yield sources, Zoth centralizes strategy execution within clearly defined vault vehicles. This creates a scalable capital engine that supports diversified financial products on top of a transparent, auditable base layer.

Powering the Global South and the Agentic Economy

zVault is designed for a world where both individuals and autonomous AI agents participate in the same financial system. In the Global South, access to stable, dollar-denominated yield remains limited, while in the emerging agentic economy, capital must be programmatically deployed, rebalanced, and optimized in real time. By structuring institutional-grade strategies into transparent, tokenized vaults, zVault transforms yield into a programmable financial primitive, enabling users and intelligent agents alike to earn, hold, allocate, and settle capital seamlessly. It becomes the shared capital engine that powers human economic mobility and machine-native commerce within a unified neobank infrastructure.

A Structural Shift in On-Chain Asset Management

Many DeFi yield systems are short-term, emissions-driven, and structurally opaque. zVault introduces a different model, one grounded in defined mandates, share-based NAV accounting, and institutional controls, designed to support both the Global South and the emerging Agentic Economy.

It combines:

• Traditional fund structure
• Blockchain-native transparency
• Professional strategy execution
• Protocol-level safeguards

The result is programmable asset management infrastructure built for borderless participation and machine-native capital allocation alike.

zVault is the earn layer not because it distributes yield, but because it structures it, transforming yield from an incentive mechanism into an institutional-grade financial primitive that can power human economic mobility and autonomous digital enterprises.

As Zoth expands its neobanking architecture, zVault becomes the capital engine powering everything above it.

Structured. Transparent. Composable.

​

Zoth, a privacy-first stablecoin neobank ecosystem, today announced the release of its expanded Whitepaper, outlining a broader, long-term vision for building trusted, scalable, and compliant stablecoin-native banking infrastructure for the Global South and the emerging agentic economy.

Zoth initially launched with a focused whitepaper and product designed to address specific stablecoin use cases. As the team built, shipped, and engaged with real users, enterprises, and institutional partners, one insight became clear:

Stablecoin products are emerging rapidly, but the ecosystem lacks privacy-preserving, banking-grade infrastructure capable of supporting both billions of underserved individuals and autonomous AI agents operating in the digital economy.

This realization led Zoth to expand its vision ,from building individual products to architecting a stablecoin-native neobank ecosystem designed for human users and intelligent agents alike.

From Product Execution to Ecosystem Responsibility

Stablecoins are evolving beyond speculative instruments into foundational financial rails. Yet most solutions remain fragmented, optimized for narrow crypto-native use cases rather than real-world reliability, compliance, privacy, capital efficiency, and institutional trust. What’s missing is integrated architecture: regulated fund foundations, structured yield engines, intelligent capital allocation layers, and seamless global payment connectivity operating as one cohesive system.

Zoth bridges the gap between traditional finance and the on-chain economy through a vertically integrated ecosystem. This stack begins with FAAST, providing the essential regulated fund and custodial foundation. Above this, zToken Vaults execute sophisticated yield strategies across RWA and DeFi markets, while USDZe a liquid yield asset delivering up to 12%+ returns The entire system is unified by the PayX7 network, a high-velocity payment layer that facilitates instant, near-zero-cost global money movement for humans, institutions, and autonomous agents alike.

At the same time, two forces are accelerating:

• The rise of digital-first economies across the Global South
• The emergence of AI agents that require programmable, borderless financial rails

Both demand a new kind of financial infrastructure.

Why the Vision Expanded

Despite rapidly growing digital economies, the global financial system remains structurally exclusionary. An estimated 1.4 billion adults worldwide remain unbanked, lacking access to basic savings, payments, and financial identity. Even among the banked, services are often slow, costly, and inefficient, particularly in emerging markets.

But inclusion alone is not the only frontier.

The next wave of economic activity will be powered by intelligent agents, AI systems that transact, allocate capital, settle payments, and manage liquidity autonomously. These agents require programmable, compliant, and privacy-respecting financial rails.

To bridge both gaps, incremental updates to legacy systems were not enough. The industry faces four structural bottlenecks:

• The Trust Gap: Stablecoins lacking bank-grade accountability, transparent reserves, and governance struggle to earn mainstream confidence.
• The Legacy Hurdle: Many neobanks still operate on aging financial rails, constraining the native speed, transparency, and efficiency stablecoins are designed to deliver.
• The Institutional Barrier: True scale requires more than APIs, institutions demand robust risk management, governance standards, and regulatory compliance frameworks.
• The Privacy Deficit: As digital finance expands, privacy becomes foundational. Users and autonomous agents alike require secure, consent-based financial identity and transaction frameworks that protect data without sacrificing compliance.

Addressing these challenges required a fundamental shift, from feature iteration to system-level architecture.

Zoth’s expanded vision merges the programmability of decentralized finance with the accountability of traditional banking, while embedding privacy and agent-native capabilities at the core.

The Broadened Vision: A Privacy-First Stablecoin Neobank

Zoth is a privacy-first, stablecoin neobank building the secure infrastructure for the next era of global finance. By leveraging programmable money to enable sustainable yields, frictionless cross-border payments, capital efficiency, and intelligent treasury management, Zoth aims to onboard billions of users, human and machine, into a compliant, borderless dollar economy.

Rather than operating as isolated products, Zoth’s ecosystem, including USDZe, PayX7, and its neobank infrastructure stack, forms a cohesive architecture built for scale, compliance, and autonomy.

What the Expanded Whitepaper Covers

The updated Zoth Neobank Whitepaper delivers a comprehensive blueprint of the ecosystem’s full product suite and architectural design, including:

• A stablecoin-native neobank architecture built for programmable, on-chain finance
• Zoth’s hierarchical four-layer system, spanning regulated fund infrastructure, yield engines, and capital allocation layers
• FAAST as the regulated fund foundation, supported by licensed administrators, custodians, and institutional-grade safeguards
• zToken Vaults as strategy-specific, yield-generating vehicles across Real World Assets (RWA) and DeFi markets
• USDZe as a structured “vault-of-vaults” framework, dynamically distributing capital through a risk-weighted allocator
• The PayX7 network, serving as the ecosystem’s connective layer for instant, near-zero-cost global value transfer
• Infrastructure designed for the emerging agentic economy, enabling autonomous financial participation
• Privacy-preserving identity, compliance, and regulatory alignment frameworks
• Yield optimization, liquidity orchestration, and capital efficiency mechanisms
• Institutional governance, structured risk management, and oversight systems
• Segmented user models tailored to individuals, enterprises, institutions, and AI-native agents
• A phased roadmap outlining regulatory expansion, product scaling, and global market integration

“This whitepaper represents a moment of clarity,” said Pritam Dutta, Founder and CEO of Zoth. “It reflects our commitment to building privacy-first stablecoin infrastructure that serves both the Global South and the autonomous digital economy with the rigor that global finance demands.”

Read the Whitepaper

The expanded Zoth Neobank Whitepaper is now publicly available.

Users, developers, institutions, and ecosystem partners are invited to explore Zoth’s long-term vision and participate in building a compliant, privacy-first financial layer for the next era of global commerce.

Read the full whitepaper: https://docs.zoth.io

About Zoth

Zoth is a privacy-first stablecoin neobank ecosystem building secure financial infrastructure for the Global South and the agentic economy. Through USDZe, PayX7, and its neobank stack, Zoth enables compliant, efficient, and programmable financial services for individuals, businesses, institutions, and AI-native systems worldwide.

Visit: https://zoth.io

Today, we are officially launching the long-awaited Zoth Ambassador Program!

The Zoth Ambassador Program is a long-term collaboration with trusted community leaders who believe in the future of stablecoin-powered banking and transparent financial infrastructure.

This is not a vanity influencer program.

Zoth Ambassadors are operators, educators, builders, and connectors who actively help expand Zoth’s ecosystem across regions, platforms, and user segments. Ambassadors act as extensions of the Zoth team, representing Zoth’s values, educating communities, onboarding users and partners, and providing real feedback that helps the product scale responsibly.

Zoth’s mission is to build the most reliable neobank for the next generation of users and businesses. Ambassadors play a critical role in making that vision real on the ground.

How do I apply?

1. Submit Your Application: Click the link below to fill out our official recruitment form. We want to see your previous work, whether it’s a killer X thread, a vibrant community you’ve managed, or a local event you’ve organized.
2. The Selection Phase: Our team will review applications on a rolling basis. If you are shortlisted, you will receive an invitation for a brief “vibe check” interview via Discord or Telegram.
3. 👉 Click Here to Apply for the Zoth Ambassador Program

NOTE: The application form will officially close on February 20th. Late submissions will not be considered for this cohort, so ensure you get your application in early!

What are the rewards for being a part of the program?

As an official Zoth Ambassador, you receive:

• Real-World Experience
• Global Network
• Performance-Based Rewards
• Exclusive Access
• Visibility & Recognition
• Career & Leadership Growth
• Swag & Privileges
• Early access to Zoth products and feature launches
• Direct communication with the Zoth core team
• Official recognition as a Zoth Ambassador
• Opportunities for long-term roles, partnerships, or ecosystem leadership

Who Should Apply?

The Zoth Ambassador Program is open to individuals who are actively involved in building or supporting financial, fintech, or Web3 ecosystems, including:

• Community builders and moderators
• Content creators and educators
• Developers and ecosystem contributors
• Fintech, payments, or Web3 operators
• Regional leaders with strong local or professional networks

You don’t need a massive following, credibility, consistency, and alignment matter more than reach.

What You Will Do as a Zoth Ambassador

Ambassador responsibilities may vary by region and skill set, but typically include:

• Representing Zoth’s values, mission, and narrative publicly
• Creating or supporting high-quality educational and informational content
• Helping onboard users, partners, or communities to Zoth products
• Engaging with local or online communities in a professional and constructive manner
• Sharing structured feedback, insights, and market intelligence with the Zoth core team
• Operating with integrity, professionalism, and long-term alignment
• This is a responsibility-driven role, not a promotional checklist.

How the Program Works

• Ambassadors are selected based on alignment, experience, and potential impact
• Contributions are tracked through agreed-upon goals and milestones
• Rewards scale with performance and responsibility
• The program is designed to evolve as Zoth and its ecosystem grow

A Final Note

We’re launching this program with only a few Ambassadors at first so we can expand it properly instead of launching with too many Ambassadors and mismanaging the project. We are so thankful for all of you, our Zoth family, and we’re doing what we can to keep the quality of this community high in terms of content, people, and ideas.

Thank you for being a part of this journey.

Let the fun begin!

Any Questions?

Head to the #Ambassador-Program channel in Discord and ask your question. Someone will be there to help (NOTE: there is a specific channel for these questions.

Visit: https://zoth.io

Strategic investment accelerates Zoth’s vision to build the world’s first privacy focused stablecoin neobank ecosystem for retail users and institutions.

[Dubai, February 9, 2026] — Zoth, a privacy first stablecoin neobank ecosystem building trusted, transparent & compliant financial infrastructure for the open dollar economy, today announced the completion of an undisclosed strategic round led by Taisu Ventures, with participation from Luca Netz, Founder of Pudgy Penguins, and Jlabs Digital.

Our decision to participate in the follow-on round reflects our continued confidence in Zoth’s execution since our initial investment. The team has made steady progress, with a clear emphasis on security, and we look forward to seeing how the company develops its longer-term strategy.

- Takashi Hayashida, Managing Partner, Taisu Ventures

Our continued investment in Zoth reflects conviction in their execution. Privacy-first stablecoin infrastructure unlocks markets traditional finance has ignored for decades. The team is building exactly that.

- Aly Madhavji, Managing Partner, Blockchain Founders Fund

Strategic Alignment from Web3 Leaders

Joining the round, Luca Netz — CEO of Pudgy Penguins. Supports Zoth’s strategy of building a retail-ready brand anchored by its mascot, Zoctopus. With Luca’s expertise, Zoctopus is positioned to become the next rising IP, echoing the massive success of the Pudgy Penguins and building a strong community around Zoth.

JLabs Digital, has joined as a key participant as it accelerates their strategic vision of building a regulated and compliant DeFi fund leveraging Zoth’s Infrastructure.

Empowering the Global South: Bringing Institutional DeFi to Everyday Finance

This strategic capital arrives as the demand for borderless, stablecoin-based financial services reaches an all-time high in emerging markets. Zoth is addressing the critical barriers to adoption, complexity and privacy, by combining the high-yield opportunities of decentralized finance with the intuitive experience of a traditional neobank. By utilizing a “privacy-first” framework, Zoth ensures that institutional-grade security is accessible to retail users, allowing them to save, spend, and earn in a dollar-denominated economy without the volatility or technical hurdles typically associated with blockchain technology.

About Zoth

Zoth is a privacy-first stablecoin neobank ecosystem building secure financial infrastructure for the next era of global finance. By leveraging programmable money to deliver sustainable yields, seamless global payments, and frictionless everyday spending, Zoth is onboarding billions of non-crypto-native users across the Global South into a borderless dollar economy.

Visit: https://zoth.io

Zoth has onboarded Deploy Finance, a leading DeFi fund, as a strategic customer of FAAST, enabling them to launch a regulated, scalable on-chain fund using Zoth’s specialized fund infrastructure (FAAST).

This architecture is vital for onboarding sophisticated institutional investors and family offices, who gain comfort knowing the fund structure is regulated and benefits from Zoth’s transparent, institutional-grade security and compliance features.

Deploy Finance benefits significantly by gaining a pre-established governance and legal wrapper, ensuring a Regulated Fund Structure, alongside a secure, legally sound framework for digital governance and management of fund units, guaranteeing Compliant Tokenization for defi native products

This collaboration is a clear demonstration of how Zoth’s infrastructure removes traditional barriers, allowing institutional-grade asset managers to rapidly deploy compliant products in the digital asset space.

Through this collaboration, Deploy Finance benefits significantly from Zoth’s Tokenization framework which eliminates months of regulatory and operational setup by providing:

• Regulated Structure: A pre-established, approved governance and legal wrapper, ensuring a Regulated Fund Structure.
• Compliant Tokenization: A secure, legally sound framework for digital representation of fund units, guaranteeing Compliant Tokenization.
• Monitored Operations: Seamless on-chain capital flow via KYC/KYB/AML compliance, administered by Licensed Fund Administrator partners who ensure compliance with CIMA and BVI FSC regulations.
• Faster Time-to-Market: Launch your fund in weeks, not months, cutting significant time and cost.
• Institutional Access: Enables global institutional liquidity that demand compliant infrastructure.

By leveraging Zoth’s robust FAAST foundation, Deploy Finance can focus entirely on its core expertise, growth and ecosystem expansion, while Zoth handles the heavy lifting of compliance, security, and operational complexity.

By leveraging Zoth’s robust foundation, Deploy Finance can focus entirely on its core expertise, growth and ecosystem expansion, while Zoth handles the heavy lifting of regulatory compliance, secure infrastructure, and operational complexity.

This symbiotic relationship sets a new standard for bringing sophisticated financial products on-chain safely and efficiently.

Bridging the Institutional Confidence Gap in DeFi

Despite the exponential maturation of the DeFi sector, a critical chasm persists: the reluctance of institutional liquidity to transition fully on-chain. Trillions of dollars managed by funds, asset managers, and major liquidity providers remain sidelined, primarily due to the lack of infrastructure that meets their stringent requirements.

These institutional participants consistently demand four core pillars of security and compliance:

• Regulated Structures: Governance frameworks approved by recognized financial authorities.
• Transparent Fund Operations: Clear, auditable, and immutable processes for capital management, encompassing mandatory KYC/KYB and AML compliance, proof of funds validation, professional 3rd party independent monitoring of operations and financial bookkeeping, and precise NAV computation and transparent reporting for investors.
• Secure Asset Custody: Institutional-grade protection for underlying real-world and digital assets.
• Compliant Tokenization: A secure, legal framework for bringing Real-World Assets (RWAs) on-chain.

Without these foundational elements, institutions cannot engage meaningfully with DeFi or stablecoin ecosystems. Zoth solves this problem by providing the necessary infrastructure at the base layer.

Zoth’s Foundational Layer: Compliant, Institutional Fund Infrastructure

Zoth addresses the institutional confidence gap by offering a fully compliant, end-to-end platform for tokenizing Real-World Assets (RWAs) and enabling institutional capital to operate safely on-chain. This infrastructure delivers the critical assurances institutions care about most:

• A Fully Regulated Legal + Fund Structure: Zoth’s fund infrastructure is Regulated Under the CAYMAN ISLANDS MONETARY AUTHORITY (CIMA) and Managed By the BVI FINANCIAL SERVICES COMMISSION (FSC).
• Institutional-Grade Operational Controls: Ensuring transparent and secure fund operations.
• Compliant Token Issuance and Lifecycle Management: A secure, legal framework for asset tokenization.
• A Seamless Bridge from traditional finance to tokenized assets.

This robust, regulated structure is designed specifically to build the confidence institutions need before deploying significant liquidity into DeFi, transforming risk into opportunity.

Launch a Regulated Tokenized Product in 4 Weeks

Traditional fund launches are notoriously burdensome, often involving processes spanning many months, characterized by complex legal structuring, demanding compliance audits, and multi-party coordination. Zoth radically simplifies this, enabling partners to launch a fully regulated fund in under 4 weeks, not months.

Zoth’s comprehensive operational platform handles the entire compliance and legal pipeline. This includes the full spectrum of fund legal and regulatory structuring, compliance and reporting, the compliant tokenization framework, custody, issuance and lifecycle automation, and the critical settlement and operational infrastructure. By taking on this heavy lifting, Zoth ensures that its partners can dedicate their focus entirely to Go-To-Market (GTM) execution, distribution, and strategy.

This infrastructure and expert support dramatically reduce cost, time, and operational complexity by an estimated 80–90%. Consequently, Zoth stands as the ideal launchpad for diverse capital products, including DeFi funds, yield products, institutional capital vehicles, and ecosystem liquidity pools.

Benjamin , CEO of Deploy Finance said — “Zoth’s FAAST infrastructure is solving one of the hardest problems in this industry — bringing regulation and DeFi onto the same rails without slowing either down. What they’ve built is not just compliant plumbing; it’s execution-grade infrastructure that lets institutions operate on-chain with the same clarity and predictability they expect in traditional markets. This is the kind of foundation you need if you want regulated DeFi to scale beyond experiments and actually serve real capital.

Zoth’s FAAST stack finally puts regulation and DeFi on the same rails. It gives institutions the execution clarity and compliance guardrails they need to move real capital on-chain.”

Pritam Dutta, Founder and CEO of Zoth, commented: “This partnership with Deploy.Finance validates the core mission of our FAAST framework: to provide execution-grade infrastructure that successfully bridges institutional trust with DeFi innovation. By putting regulation and decentralized execution on the same rails, we are not just solving a difficult technical problem; we are unlocking the multi-trillion dollar opportunity of compliant capital ready to move on-chain.”

The Role of ZEUSD

At the top layer of Zoth’s ecosystem sits ZEUSD, the yield-bearing stablecoin that powers the overarching Stablecoin Neobank vision. ZEUSD is engineered not just for transactional stability but as a fully compliant institutional vehicle for liquidity deployment.

Crucially, tokens issued by funds built on the Zoth’s FAAST (Fund-as-a-service-for-tokenization) framework, like the one launched by Deploy Finance, are leveraged to back ZEUSD, creating an ecosystem where institutional assets directly power the stablecoin’s stability and yield.

Together, the Zoth ecosystem forms a closed, compliant liquidity loop, securely bridging institutional trust to DeFi yield, making it accessible to retail users, and fully usable across global payment networks.

Visit: https://zoth.io/
Check Zoth’s fully regulated and compliant fund infrastructure: https://faast.zoth.io/

About Deploy Finance

Deploy Finance is a pioneer in decentralized banking, focused on democratizing sophisticated wealth-building solutions previously reserved for private banking clients. Operating on a foundation of self-custody, Deploy.Finance empowers users with “Agents”, autonomous, smart execution systems that handle fixed-income strategies, risk management, and cross-chain transactions 24/7.

Visit: https://deploy.finance/