Zoth
Dubai, AE Β· Founded 2023 Β· 31 employees on LinkedIn Β· 3 known investors
Zoth is an onchain neobank offering RWA-backed yield strategies and DeFi products, along with cross-border stablecoin payments, cards, and an AI agent stack for corporate finance teams and CFOs. It targets users in the global south and the agentic economy, providing regulated money transmission and compliance infrastructure.
Also known as Zoth
Founders & leadership
Zoth was founded in 2023 by Pritam Dutta.
Investors Β· 3
Company profile
researched Aug 2026Zoth positions itself as a privacy-first, full-stack onchain neobank aimed at users in the global south and what it calls the agentic economy. Its product set spans yield products, cross-border payments, cards, liquidity, compliance and security, presented as eight pillars of a single ecosystem (also represented by its mascot, Zoctopus).
The yield business, branded zVaults, includes Open Vault, Stock Vault and Private Vault products and a zOPAL offering advertised at up to 16% APY, with curated real-world-asset-backed strategies and DeFi yields offered without lock-ins or stated minimums. The payments business provides cross-border transfers with built-in KYC, AML and sanctions screening, real-time settlement across a network of more than 80 bank partners, and smart routing that selects partners in real time based on FX rates, fees and settlement speed. Zoth is also developing an AI agent stack for CFOs and corporate finance teams, offered via a beta waitlist.
Business model
Zoth operates a consumer- and business-facing onchain banking platform combining yield vaults, cross-border stablecoin payments, cards and an AI agent stack for finance teams, distributed directly through its own platform and supported by licensed banking and money-transmission partners.
Traction
The company reports more than 2 million onboarded wallets, over $250M of yield products sold, more than $500M in total payment volume and a 99.1% payment success rate.
Latest developments
Zoth announced a strategic partnership MOU with Bakkt for compliant cross-border stablecoin payments, a partnership with Movement to build a $1B cross-border rail, and registration as a money services business with Canada's FINTRAC, expanding its payments footprint.
βΈFull profile β market position, technology, go-to-market, geography
Market position
Presents itself as a full-stack onchain neobank combining RWA yield, compliant cross-border stablecoin payments and agentic finance tooling.
Technology
Onchain platform providing tokenized/RWA-backed yield vaults (Open, Stock and Private vaults; zOPAL), stablecoin payment rails with embedded KYC, AML and sanctions screening, instant settlement across 80+ bank partners, smart transaction routing, and an AI agent stack for corporate finance workflows.
Go-to-market
Direct self-serve onboarding through the Zoth platform ("Start Banking", "Start Earning"), a beta waitlist for the CFO AI agent product, a referral/invite program tied to its Zoctopus ecosystem rewards, and partnerships with payment and infrastructure providers such as Bakkt and Movement.
Retail and institutional capital allocators seeking onchain yield, users in the global south needing cross-border payments, and corporate finance teams and CFOs targeted by the AI agent stack.
Geography
Headquartered in Dubai, with payments coverage supported by money transmitter licenses across 50 US states, FINTRAC registration in Canada, and a stated focus on the global south.
Compiled by commissioned research from 1 cited public sources β announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed β not independently audited.
Timeline Β· 4
launches, deals, and filingsZoth entered a strategic partnership memorandum of understanding with Bakkt to enable compliant cross-border stablecoin payments.
Zoth announced a partnership with Movement to build a $1B cross-border payment rail.
$1B source β
Zoth began collecting beta waitlist signups for a ready-to-deploy AI agent stack built for CFOs and corporate finance operations.
Zoth obtained money services business registration with Canada's FINTRAC, expanding its payments operations.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
βΈResearch sources Β· 1
primary sources listed
- Zoth DeFizoth.io Β· web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Zoth do?
- Zoth is a privacy-first onchain neobank offering RWA-backed yield vaults, cross-border stablecoin payments and cards.
- Who founded Zoth?
- Zoth was founded by Pritam Dutta in 2023.
- Who are Zoth's investors?
- Zoth's investors include Brinc, YAP Capital, Blockchain Founders Fund.
- Where is Zoth headquartered?
- Zoth is headquartered in Dubai, AE.