Zoth

Zoth allocates deposited stablecoins across two categories: high-quality real-world assets selected for stability and diversified DeFi strategies. The firm advertises an approximately 10% APY, citing carefully selected RWAs and DeFi protocols as the underlying sources.

PayX7 is Zoth’s stablecoin operating system designed for payments. As reported on the firm’s own site, the roadmap targets $100 million in monthly payments volume. The system is positioned as the infrastructure layer for compliant cross-border stablecoin transactions.

Zoth announced a strategic round from Taisu Ventures, Luca Netz, and JLabs Digital Family Office. No separate dollar figure was disclosed for that specific raise. The firm separately disclosed a $15 million strategic commitment from Bolts Capital to power RWA-focused initiatives.

In June 2026 Zoth entered a strategic partnership memorandum of understanding with Bakkt. The stated goal is compliant cross-border stablecoin payments, suggesting Bakkt provides regulatory and settlement infrastructure that Zoth can route through its neobank and PayX7 operating system.

The firm refers to JLabs Digital Family Office as a strategic investor and partner, but Zoth itself is not structured as a family office. It operates as a stablecoin-based neobank and institutional payments platform, making it closer to a crypto-native financial infrastructure firm.

Zoth partnered with Haven1 in a $75 million alliance with the stated goal of accelerating RWA adoption. The alliance suggests Haven1 provides distribution or technical infrastructure, while Zoth contributes the yield products and stablecoin capabilities.

Zoth has a token referenced in its on-chain rewards framework. Users earn points through saving, sending, or spending, and can turn those points into boosted yield or Zoth token rewards. A separate real-world perks track offers travel, experiences, and premium lifestyle rewards.