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Zoth is a privacy-first stablecoin neobank that connects real-world assets (RWAs) with on-chain yield, payments, and spending.
Its main product is zOPAL, the first vault built on Zoth’s zVault infrastructure. zOPAL gives on-chain access to BlackOpal’s LiquidStone II strategy, turning idle stablecoins into yield-bearing assets. Zoth has raised over $21.5M across several rounds. Backers include Blockchain Founders Fund, Bolts Capital, Taisu Ventures, Borderless Capital, Outlier Ventures, and the Wormhole Ecosystem Fund.
Zoth has not confirmed a token airdrop, but its Zocta Points program may reward early depositors with future ZOTH allocations or boosted yield. Points accrue daily based on the size of your vault position and any referrals you bring in.
zOPAL depositors earn roughly 10 Zocta per dollar per day, and referrers earn an extra 3 Zocta per dollar that their referred liquidity providers deposit. The current season runs for a fixed window, around 171 days remaining at the time of writing, after which points factor into rewards.
Visit the Zoth marketplace and connect a Web3 wallet such as MetaMask, WalletConnect, or Coinbase Wallet. Approve the connection request.
zOPAL accepts USDC and USDT on Base. If you don’t have these assets, you can purchase them from Binance if you need them, then move funds to Base using Rhino Bridge.
Open the zOPAL Vault and deposit USDC or USDT. Your capital is deployed into institutional strategies through BlackOpal and Superstate. Confirm the transaction in your wallet.
Once your deposit request is processed, you receive ERC-20 zOPAL tokens representing your vault share. The token price appreciates as yield accrues, so there is nothing to stake or claim.
Create and share your referral code from the dashboard. You earn 3 Zocta per dollar each referred user deposits as a liquidity provider. Referrals who join without depositing generate no points.
To exit, place a redeem request from the vault. A 0.1% redemption fee applies, and your USDC returns within 1-5 business days through a FIFO queue.