Key Takeaways:
Movement and Zoth signed a definitive agreement to build a cross-border payments corridor and institutional vault infrastructure targeting $1 billion in combined volume, integrating Zoth's yield-bearing zVaults into the Movement network.
"Zoth is now our native RWA yield layer — any fintech, neobank, or payment provider building on Movement can now offer their users institutional-grade yield on stablecoin holdings," Movement said in a statement.
Zoth's zVaults are backed by Brazilian credit card receivables settled through Visa and Mastercard, carrying a Baa3 rating with a 0% delinquency track record. The vaults offer yields up to 12%, with projections reaching 16% through active boosters, no lock-up periods and standard redemption windows of one to five days. Custody operates via MPC through FORDEFI, with audited smart contracts and real-time risk monitoring. Full currency hedging toward the dollar is executed through non-deliverable forwards.
Global stablecoin circulation exceeds $320 billion and transaction volume reached $33 trillion in 2025, yet most of those funds generate no yield. In markets such as Buenos Aires, Lagos and Istanbul, where local currencies have steadily lost value, stablecoins function as dollar savings accounts that erode against inflation. The partnership turns those static balances into productive assets with institutional-grade returns.
Zoth already processes more than $400 million in payments volume across South Asia, Southeast Asia and the MENA region. Through its partnership with Bakkt and now Movement, it operates across all 50 U.S. states and recently obtained a Money Services Business license in Canada.
The second phase of the agreement will activate cross-border payment settlement through the highest-volume remittance corridors in those regions, where Movement will serve as the preferred settlement backend for both the vaults and the payment products. Movement contributes the distribution layer — the chain, the liquidity and the partner network that bring those yields to end users without requiring fintechs to structure the underlying assets themselves.
The deal signals a shift in how blockchain networks compete for real-world asset adoption. Rather than relying solely on token incentives to attract liquidity, Movement is embedding yield infrastructure at the protocol level, positioning itself as a settlement layer for stablecoin-heavy payment flows in emerging markets. Zoth, meanwhile, expands its distribution reach beyond its existing $400 million payments footprint into a network that can serve fintechs and neobanks across multiple jurisdictions.
This article is for informational purposes only and does not constitute investment advice.
