> For the complete documentation index, see [llms.txt](https://docs.zoth.io/zoth/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zoth.io/zoth/the-hierarchical-architecture/a-five-layered-integrated-financial-stack/layer-1-stablecoin-neobank-applications.md).

# Layer 1: Stablecoin Neobank Applications

The first layer is the application layer of the Zoth ecosystem, delivering a privacy-first stablecoin neobank experience across three core product verticals.

Earn provides institutions, enterprises, and eligible participants with access to sustainable yield through zVaults and curated partner products, extending institution-grade savings and treasury infrastructure through compliant and transparent financial rails.

Send enables privacy-preserving cross-border payments with integrated on-ramp and off-ramp infrastructure, making global money movement faster, more efficient, and operationally seamless across complex corridors.

Spend brings on-chain balances into real-world payment environments through Zoth Cards and Zoth Corporate Cards, enabling secure and compliant global spend access. (Coming Soon)

Together, these three verticals form a unified financial experience: earn, move, and spend capital through private, compliant, and programmable stablecoin infrastructure built for institutions, enterprises, and the evolving agentic economy.

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