Zoth, A Privacy-First Stablecoin Neobank, Integrates LI.FI

TL;DR: Zoth, the privacy-first stablecoin neobank for the Global South and the agentic economy, has integrated the LI.FI SDK to power cross-chain swaps and bridging inside its app. Users can now arrive at Zoth holding any token on any chain - and start earning, sending, and spending dollars in seconds.

The stablecoin thesis used to be theoretical. It isn't anymore.

Stablecoins are moving close to a trillion dollars in volume each month, regulators are writing real frameworks around them, and a generation of consumer products has decided that the dollar - not the local currency, and not a speculative crypto - is the asset their users actually want to hold.

The next leg of that thesis isn't more issuers. It's distribution.

Specifically: getting stablecoins into the hands of the people who need them most - the 1.4 billion adults globally without access to a functional bank, plus the rapidly growing population of users in emerging markets watching their local currencies depreciate against the dollar in real time. And, increasingly, the AI agents that will hold balances, settle payments, and allocate capital on behalf of those users.

That's the bet Zoth is making. And starting today, LI.FI is helping them deliver on it.

What is Zoth?

Zoth is building a privacy-first stablecoin neobank for the Global South and the agentic economy - an integrated financial stack that unifies yield, payments, cards, liquidity, compliance, and security into a single platform for individuals, institutions, and AI-native agents.

Under the hood, Zoth's ecosystem ships as a vertically integrated stack:

• zVault: a yield engine backed by carefully selected real-world assets and diversified DeFi strategies, designed to deliver stable returns the moment a user deposits.

• PayX7: Zoth's payments network for instant, near-zero-cost global value transfer, connecting users across emerging markets and beyond.

• FAAST: the regulated fund foundation underpinning the ecosystem, with licensed administrators, custodians, and institutional-grade safeguards.

• USDZe: a structured "vault-of-vaults" framework that allocates capital dynamically across yield strategies based on risk-weighted allocation.

But the same problem that faces every consumer stablecoin product faces Zoth: users don't arrive on a single chain. They arrive with ETH on Arbitrum, USDT on Tron, USDC on Polygon, SOL on Solana, BNB on BNB Chain. They arrive on the wallets and chains their local communities use. And every step between "I have crypto somewhere" and "I'm earning yield in my Zoth account" is a place users drop off.

That's where LI.FI comes in.

One App. Every Chain. Stablecoin Dollars in Seconds.

Zoth has integrated the LI.FI SDK to power cross-chain swaps and bridging natively inside its app.

For users, the experience is simple: deposit from wherever you already hold crypto, in whatever token you already hold, and Zoth handles the rest. LI.FI's orchestration engine searches across 30+ bridges and 25+ DEXs to find the most efficient path, executes the bridge and swap in a single transaction, and lands the user inside Zoth ready to earn, send, or spend.

No manual bridging. No "wrong network" errors. No three-app dance to move a balance from one ecosystem to another.

What this looks like in practice

A user in Lagos holding USDT on Tron wants to start earning on Zoth:

1. They open Zoth and choose to deposit

2. LI.FI's SDK orchestrates the swap and bridge from Tron into Zoth's supported chain

3. The user signs once

4. The balance lands in their Zoth account, already earning yield

The same flow works from a user in Manila with stables on BNB Chain, a user in São Paulo holding USDC on Base, or a user with ETH on Arbitrum looking for a better home for their dollars. LI.FI handles the cross-chain complexity invisibly — Zoth gets to focus on the experience users actually see.

Why This Matters

Stablecoin banking only works if the on-ramp is frictionless.

For the Global South specifically, the friction has always been twofold: getting into stablecoins, and then getting those stablecoins to do something useful - earn, settle, spend. Zoth solves the second half by building a real neobank around stablecoin rails: yield products, payments, cards, compliance. LI.FI solves the first half by collapsing the cross-chain dance into a single transaction, regardless of which chain a user starts on.

The combination is what makes the thesis real. A user in an emerging market with stables on whatever chain their local community uses is one tap away from a fully featured dollar account - earning yield by default, with payment rails that can move value across borders at near-zero cost.

And as the agentic economy comes online - autonomous agents holding balances, allocating capital, settling payments on behalf of users and institutions - the same infrastructure becomes the substrate those agents operate on. Cross-chain liquidity isn't a UX problem for an AI agent; it's an orchestration problem. LI.FI's SDK gives Zoth's agentic layer the same any-chain-in capability that its human users get.

The Bigger Picture

Zoth is one of a small group of teams treating the stablecoin opportunity for what it actually is: a chance to rebuild banking from scratch, for the parts of the world the old system never served well, with rails native to how value moves in 2026.

LI.FI's role is to make sure that chain fragmentation never becomes the reason a user can't access that stack. With aggregation and orchestration across 60+ chains, 30+ bridges, and 25+ DEXs under a single SDK, Zoth can ship one experience that works regardless of where their users are coming from.

The next billion stablecoin users won't pick a chain. They'll pick a product.

Zoth is building one of them. LI.FI is making sure it's accessible from everywhere.

Zoth is live at zoth.io. Deposit from any chain, in any token, and start earning, sending, and spending dollars today.

LI.FI powers cross-chain execution for 1000+ applications across 60+ chains. Explore the docs and start integrating at LI.FI.