Don't miss out on the opportunity to earn 12% APR in our Inventory Financing Pool - Start Lending Today 🚀

Earn More Returns

On Your Stablecoins

Earn upto 15% APY on secured,

insured fixed income products

Open for Institutions & Accredited Investors

Backed By

who we are

Who we are?

Zoth is a decentralized marketplace which brings fixed income opportunities, offering high yield on stablecoins.

Our Lending Platform enables businesses in emerging markets to access vital capital for their growth and expansion needs.

The Zoth ecosystem acts as a bridge between lenders and businesses looking for new age capital.

Put your crypto to



Index Funds

Zoth provides mutualized Real World Collateral through tokenization.


Risk Mitigation

Zoth's risk engine has robust underwriting standards in a DAO framework.


Liquid Staking Pool

Zoth liquid staking pool offers early exits to lenders and boosted yield to LPs.


Stake $ZOTH

ZOTH token plays a key role in governance, liquidity rewards and staking.

Our Offerings

Bringing real world assets on-chain, providing a robust, highly liquid and coherent product line of yield generating opportunities.

Live Now

Invoice Factoring

10-14% APY

1-6 months

Invoice factoring is a short-term financing chosen by businesses to tap into their unpaid invoices to meet their working capital requirements. Businesses avail financing towards unpaid invoices for the goods already delivered at a predetermined cost.


Asset Leasing

16-20% APY

12-36 months

Leasing is a contractual arrangement calling for the lessee to pay the lessor regular payments in exchange for the user an asset over an agreed period. Furniture, vehicles, and equipment are among the most common leased assets.

Live Now

Inventory Financing

10-12% APY

3-12 months

Inventory Financing is a short-term loan used to finance the inventory of the company and the purchased inventory acts as collateral for the availed loan, solving capital constrain problems for SMBs.

coming soon

Tokenized bonds and T-Bills

Exp. 5-7% APY

This tokenized fund allows both users to invest in bonds and treasuries from emerging markets. This makes traditional capital from these markets more accessible to investors.


On-Chain Transparency


Tradable Tokens


EVM Compatible


Utility - Lending


Semi Custodial Wallet


Multiple Assets Mutualized

The Ripple Effect

How Our Actions Impact the World Around Us

Zoth's bold mission to make finance fairer through DeFi, is set to bring about a seismic shift in emerging markets. With its unwavering commitment to expanding financial inclusivity, Zoth is empowering small business owners and entrepreneurs in these markets to access the funding they need to flourish.

providing access

Providing access to affordable capital

providing access

Fueling growth and development

providing access

Encouraging entrepreneurship

providing access

Driving innovation

providing access

Incentivizing green energy adoption


Invest with Confidence

Zoth's robust risk engine deploys multi level risk mitigation strategies with an investor first approach


Reliable Auditing

Our smart contracts and platform are thoroughly audited


Robust Underwriting

360 credit check to minimize defaults


Future Proof

Assets insured by top insurance providers with first loss guarantee


Lowest Defaults

Less than 1% historic defaults in our target asset classes

Our Believers

Backed By

The World's Best

Trust our Customers

Don't take our word for it

"As an African SME owner, waiting over 3 months for a bank loan with high interest rates was crushing. Zoth rescued me swiftly with fair rates, saving my business. Forever grateful"



SME store owner

“Starting my store was tough. Traditional banks denied credit due to no history. Almost gave up, but found Zoth. Quick loan, lower rates, business growth. Grateful for Zoth's help. Try Zoth for credit struggles.”




“Finding stable yield is tough. High fees and restrictions hinder returns. Zoth offers low fees, no minimum investment, and access to emerging market opportunities. Recommended for hedge fund managers.”



Hedge fund manager

Have Any Questions?

Our Team will be glad to help

The Zoth ecosystem acts as a bridge between asset owners (deal originators), and individual investors


Zoth “Making Finance Fairer”

Begin your investment journey with us and unlock the potential to earn Secure and Sustainable Yield


Zoth is an ecosystem with a vision of making finance fairer by bridging the gap between DeFi and RWAs.


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