Zoth LLC operates a scalable, secure, blockchain-based orchestration layer. An AI routing engine selects the optimal path for every cross-border transaction, settles it on a stablecoin rail, and pays out in local currency, all through one integration.
API-first · AI smart routing · 24/7 stablecoin settlement · Global South coverage
Zoth LLC is infrastructure, not an app. Fintechs, neobanks, payment providers, and treasuries integrate once and route value through the layer. You keep the customer and the product.
A single integration connects your product to every corridor the layer supports. No bilateral banking buildout per market.
Routing, settlement, compliance, and payout are composable services. Use the full stack or the parts you need.
The stablecoin rail clears around the clock. Throughput grows without new correspondent relationships or pre-funded silos.
Real-time status, reporting, and reconciliation are part of the layer, not an afterthought bolted on the edge.
An AI engine scores every available path in real time and selects the best route for each transaction, optimizing for cost, speed, and settlement success. The intelligence sits at the center of the layer, not at the edges.
Value settles as a regulated stablecoin on a blockchain rail that does not close. Clearing completes in minutes, around the clock, including weekends and local holidays.
Licensed payout partners disburse in destination currency with last-mile reach across emerging markets. Pre-funded local float keeps payouts fast.
Every cross-border transaction has many possible paths across corridors, partners, liquidity, and settlement venues. The AI routing engine evaluates them continuously and selects the optimal route for each transfer.
| Signal | What the engine optimizes |
|---|---|
| Cost | Selects the lowest all-in cost across available paths and partners. |
| Speed | Prioritizes the fastest settlement for time-sensitive transfers. |
| Success rate | Routes around congestion, downtime, and failed partners to maximize completion. |
| Foreign exchange | Sources competitive conversion across the network in real time. |
| Liquidity | Balances flow across pre-funded float and settlement venues. |
| Risk | Flags anomalies and holds suspicious transfers for review before settlement. |
The engine improves as flow grows. Routing decisions adapt to live corridor conditions on every transaction.
Zoth builds the API that licensed partners integrate against. Pay-in partners and payout partners connect once, and the layer handles routing, settlement, and compliance between them. Integration is designed to be lightweight, with clear endpoints, predictable webhooks, and full status on every transfer.
A licensed pay-in partner collects value in the source market and submits it through the Zoth API.
The AI engine selects the optimal path for the transfer.
The value settles on the stablecoin rail, 24/7, in minutes.
A licensed payout partner receives the instruction through the API and disburses in local currency.
Every transfer carries a complete, auditable record, exposed to partners through the API.
Both sides build against one consistent contract. Licensed pay-in and payout partners integrate the same API, designed for fast onboarding.
Compliance is embedded in the rail. Controls run automatically on every transfer, with the engine holding anything that does not pass.
| Control | Coverage |
|---|---|
| Identity and onboarding | Know Your Customer and Know Your Business checks on every counterparty. |
| Transaction screening | Sanctions and anti-money-laundering monitoring on each transfer. |
| Travel Rule | Originator and beneficiary information recorded on qualifying transfers. |
| On-chain monitoring | Continuous monitoring of settlement wallets and counterparties. |
| Fund segregation | Client funds held separately from operating funds. |
Connect your product to AI routing, stablecoin settlement, and compliance through one layer. Talk to the team about access and onboarding.