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.

• Zoth Tokenized Liquid Notes (ZTLN): A product providing 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 corporate bonds.

• 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.