# Glossary * **Annual Percentage Return (APR):** The actual yearly income earned from an investment, represented as a percentage over the term of a loan. * **Asset Aggregators, Fin-Techs, and Credit Funds:** Stakeholders that collaborate with Zoth to curate real-world asset-backed loans for tokenization and listing on the platform. * **Asset Buyer:** An investor looking to purchase assets on the marketplace. * **Asset Category:** A classification for assets based on similar characteristics, such as invoices, credit notes, purchase orders, and merchant cash advances. * **Asset Custodian:** An entity responsible for holding and protecting assets for another party, ensuring security, documentation, and regulatory compliance. * **Asset Originator:** The creator of an asset who lists it on the RWA Marketplace and receives offers from Asset Buyers. * **Asset Owner:** The current holder of the asset NFT. * **Assets Listed:** The number of assets currently available on the marketplace. * **Average Asset Value:** The mean value of assets listed on the marketplace. * **Borrowers:** Individuals or entities that seek to borrow from Zoth, required to stake ZOTH tokens and provide real-world collateral. * **Due Date:** The deadline for an Asset Originator to repay the principal, interest, and fees to the Asset Buyer. * **Finance Tenure:** The period from the purchase date to the due date, indicating when the asset is due for repayment. * **Final Price:** The total price for purchased assets, including the platform fee. * **Insurance Coverage:** The extent of loss covered by an insurance policy. * **Invoice:** A document requesting payment for goods sold or services rendered, issued by a seller to a buyer. * **Loan Maturity:** The period until the Asset Originator is expected to fully repay the loan, including interest and fees. * **Loss Pool:** A reserve fund in the RWA Marketplace to cover losses from defaults or repayment delays. * **Liquidity Providers (LP):** Participants in liquid staking pools on the Zoth platform, incentivized with Zoth Tokens. * **My Holdings:** The assets currently owned by a user. * **Payor:** The party obligated to make a payment to another party (the payee). * **Platform Fee:** A charge by the RWA Marketplace for its services. * **Pool Size:** The total amount of assets locked in a liquidity pool. * **Purchase Order (PO):** A document indicating a buyer's intention to purchase goods or services from a seller. * **Real World Asset (RWA):** Tangible assets from the physical world brought onto the blockchain. * **Return:** The gain from an investment over a specified period, calculated using a simple interest formula. * **Tenure:** The duration over which an asset is scheduled for repayment. * **Tokenized Asset:** A fractional ownership structure in an asset, allowing multiple buyers to own parts of it. * **Total Asset Value Purchased:** The aggregate value of assets bought on the marketplace in USD. * **Total Returns:** The sum of the flat price of an asset and its returns. * **Yield Cycle:** The period within which participants can earn yields or returns. * **$ZOTH (Zoth Token):** The native token of the Zoth platform, used for governance, validator rewards, liquidity staking rewards, and community incentives. * **Zoth Credit Rating:** A rating assigned to a Payor by Zoth indicating their reliability or creditworthiness. * **Zoth Emerging Market Lending Pool:** A platform feature facilitating the listing of real-world assets from emerging markets for diversified investment. * **Zoth - Fixed Income (Zoth-Fi):** An offering that provides access to Institutional Grade Fixed Income assets through Stablecoins. * **Zoth Proof of Reserve:** A contract demonstrating the reserve of invoices for lenders and the community. * **Zoth Validators:** Stakeholders who perform due diligence on curated assets to ensure they meet the platform's criteria. * **Zoth Tokenized Liquid Notes Prime (ZTLN -P):** A product providing institutional/accredited investors with regulatory-compliant access to a USD-denominated, investment-grade fixed-income portfolio via blockchain technology, focusing on low-risk instruments like US Treasury Bills and top-rated ETF/MMF **.** * **Zoth Secure Trade Finance (ZSTF):** A product that invests in secured short-term receivables sourced from esteemed factoring companies in emerging markets, offering high-yield opportunities with robust risk management and multiple layers of security. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.zoth.io/zoth/getting-started-1/glossary.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.