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, FinTechs, 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.