FAQs
General Questions
How can a user invest through Zoth?
To begin your journey as an investor with Zoth, connect your wallet and complete the KYC/KYB process. After successful registration, you will gain access to comprehensive details of the RWA opportunities listed on our platform, empowering you to make informed investment decisions.
How do I interact with Zoth?
Here are the top methods to get involved:
Explore opportunities as an Investor in the upcoming pools.
Consider becoming a borrower to Lending Pools, offering support and backing to borrowers.
Join our community on discord and become an active member, sharing ideas and insights.
What are the tokens available on Zoth?
Zoth has two types of tokens: The Zoth asset token - These are LP tokens provided to lenders as a proof of participation. One can redeem ZAT after the maturity period is over.
Zoth Token ($ZOTH) - The native token of the Zoth ecosystem, Tokenomics is designed to ensure there is a circular economy for the Zoth ecosystem. $ZOTH will be instrumental in:
• Incentivizing Liquidity Providers (LPs)
• Rewarding creditworthy borrowers
• Establishing a DAO for foundation operations
• Creating an RWA validator ecosystem
If it's a stablecoin, where would your reserves be held?
Zoth asset tokens are not stablecoins. They are LP tokens provided to lenders as proof of participation. They are NOT tradable or transferable. Furthermore, they can ONLY be redeemed on the Zoth platform after the maturity of the pool.
Zoth native platform token ($ZOTH) is not a stable token. $ZOTH is the means we are using to raise our funds through private rounds.
Will the token minting protocol be controlled by Zoth team or network validators?
Token minting and burning is completely controlled by Zoth DAO.
Who will own and manage the token treasury?
The Zoth Foundation manages the token treasury, until the token launches through TGE. Post the launch of the token, the treasury is managed by the Zoth DAO.
Will tokens be distributed by a smart contract or by your team?
The tokens will be distributed automatically by the smart contract whenever an event happens on the platform.
Will a DAO or the project team control the initial mint?
The Zoth Foundation will control the initial mint of the token. Specific details are mentioned in the report.
Discovering ZeUSD
What is ZeUSD?
ZeUSD is a fully composable, yield-generating stable token backed by collateralized debt position of high quality RWAs off-chain or on-chain.
What is ZeUSD backed by?
ZeUSD is fully collateralized by a diversified mix of high-quality RWAs issued on Zoth Fi, including U.S Treasuries and MMFs. These assets ensure that ZeUSD remains stable, secure and reliable.
What makes ZeUSD different?
ZeUSD is a yield-bearing, omnichain stablecoin backed by Collateralized Debt Positions (CDPs). Issued and governed in a decentralized, community-first framework, it operates seamlessly across diverse ecosystems.
Who can buy and use ZeUSD?
ZeUSD is accessible to anyone including retail users and institutional Investors.
How is ZeUSD more than a stable token?
ZeUSD transcends the traditional stable token model by offering sustainable yields, enabling cross-chain liquidity, and allowing retail access to institutional-grade financial products.
Where can I bridge ZeUSD?
ZeUSD seamlessly bridges across multiple networks within the EVM ecosystem, with plans to expand into additional blockchain ecosystems, further enhancing its utility and reach.
How does ZTLN-P works?
What is a Tokenized Liquid Note?
Tokenized liquid notes are digital versions of traditional fixed-income instruments on a blockchain. They provide enhanced liquidity, transparency, and accessibility through decentralized platforms.
What are Zoth Tokenized Liquid Notes (ZTLN-P)?
ZTLN-P Tokens are ERC-20 tokens representing the ownership of structured product units. Each token is a unit of a fully collateralized certificate that tracks the listed value of a specified traded underlying security and is fully backed by that security.
What are the underlying assets?
The issuer has carefully selected a range of high-quality investment-grade Instruments like US Treasury bills & ETF/MMFs from Financial Intitutions
What is the minimum amount I can invest or redeem?
The minimum investment is USD 100,000 excluding the investment related fees
What measures are in place to ensure transparency and security?
Zoth tokenized liquid notes are administered by Soroban Fund Services (Hong Kong) Limited, Trader and Custodian are Doo Prime and Doo Consulting Limited (a trust company registered in Hong Kong and authorized and regulated by the Hong Kong Companies Registry). Zoth ensures transparency and security through periodic audits by a reputable global audit firm and weekly NAVs, Thus providing unmatched transparency to build trust.
Is there a fee associated with tokenized liquid notes?
Yes, there is a fee associated with tokenized liquid notes, please refer Fact sheet for the details
What is the maximum duration of the Liquid Notes?
The underlying assets are high-quality fixed-rate investment-grade bonds issued by renowned corporates with a maximum duration of 1.92 years, renewable thereafter with the same strategy considering dynamics at that time.
Are the tokens transferable in nature?
Tokens are transferable across wallets subject to KYC and are fully collateralized by the underlying asset, issued in compliance with the CIMA, Cayman Islands.
Does the issuer have the right to rebalance to maintain portfolio yield?
Yes, the issuer can mitigate risk by investing in higher or lower-yielding securities to maintain portfolio yield.
Does Zoth have access to subscriber funds?
Zoth does not have access or control over funds received from subscribers. Funds go directly into a wallet maintained with Doo Prime via a smart contract deployed by the issuer.
When is a subscriber eligible for the yield payout?
A yield of 4-5% APR is payable to subscribers holding liquid notes at the time of redemption.
ZSTF: Zoth Secure Trade Finance
Is Accredited Investor status required to participate in ZTSF pools?
Yes, Accredited Investor status is mandatory to participate in ZTSF.
Can users onboard using a wallet?
Zoth supports onboarding through the MetaMask wallet. Our roadmap also includes expanding onboarding through other wallet providers.
What is the currency of the loans?
All loans are in USDC. We are planning on allowing support for other cryptocurrencies as well.
What is the underlying collateral?
Borrowers on the protocol submit RWAs validated by Zoth validators as collateral.
What happens if a Borrower defaults?
For instance, Invoice factoring deals are insured 90% by leading credit insurance companies. Zoth provides a 10% first-loss guarantee for end-to-end coverage.
What are the deals available on Zoth?
Invest in premium USD receivables from renowned corporations like Walmart, IKEA, Urban Outfitters, and more. Our factoring company purchases short-term invoices at a discount and profits by collecting the full amount.
Type: Private Credit
Invoice Factoring
Pool Capacity: 200,000 USDC
Average Yield in APR: 12%
Loan Duration: 90 days
How do you avoid the signed RWA being collateralized on different platforms multiple times?
We currently work with trusted intermediaries and credit scoring companies who essentially validate if the collateral has already been collateralized. We also ensure we have proper documentation and also rigorous due diligence done on the borrowers and collaterals on the pool.
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