Hundreds of millions of people across emerging markets already use stablecoins as their dollar account, but those dollars sit idle.
Through a new coalition with Zoth, any fintech, neobank, or payment provider building on Movement can now offer their users institutional-grade yield on stablecoin holdings. This kind of product has historically required a brokerage account and a stable banking relationship in the right country.
Zoth brings best in class yield strategies: zVaults, a yield-generating vault backed by investment-grade instruments, paying up to 12% yield with no lockup and underlying yield strategy linked to Brazilian credit card receivables, settled through Visa and Mastercard acquiring infrastructure.
Movement provides the infrastructure for the distribution: The chain, the liquidity, and the partner network that puts those yields in front of eligible end users. Partners keep the customer relationship.
Zoth is a leading player in the Stablecoin based cross border payments space with over $400 million total payments volume moving through its infrastructure across South Asia, South east Asia & MENA region.
Through its partnership with Bakkt and now Movement, Zoth serves across all 50 US states.
Zoth has also expanded into Canada, where they have secured a Money Services Business license, opening a regulated path to serve the diaspora.
The combined target: $1 billion in payments volume across the Zoth × Movement ecosystem.
Why Yield Infrastructure Matters for Emerging Markets
Stablecoin circulation now exceeds $320 billion globally. Transaction volume hit $33 trillion in 2025. USDT and USDC are now moving money at the same scale as the world’s largest payment networks.
Most of that activity isn't on Wall Street. It's in Buenos Aires, Lagos, Istanbul, and in the dozens of other markets where local currencies have failed to hold value and where stablecoins have quietly become the dollar savings account that local banks never offered.
The catch is that a stablecoin sitting idle still loses to inflation. The dollar peg protects against local currency collapse, but not against the slower erosion of global purchasing power. Yield is what turns a stablecoin from a defensive hedge into a productive asset.
Until now, that yield has been locked behind brokerage accounts in stable jurisdictions, or pushed onto users through opaque DeFi products on the wrong side of the risk curve. That's the gap this partnership closes.
Zoth addresses that directly. Fintechs, neobanks and payment providers building on Movement can now offer yield products to their users without needing to source or structure the underlying assets themselves. Zoth handles the asset side while the Movement Network handles the settlement layer and Partners handle the customer relationship.
What Zoth Brings to the Movement Network
The integration will launch zVaults on Movement. Here’s what eligible partners get:
Up to 12% asset backed yield (targeting up to 16% with boosted yields)
Backed by short-duration investment-grade credit-card receivables, 45-day average maturity, 0% historical default rate, Baa3 rated
No lockup, 1-to-5 day standard redemption
Full FX hedging to USD via non-deliverable forwards
Yield strategy with liquid receivables settled through Visa and Mastercard
MPC custody via FORDEFI, multi-sig execution guardrails, audited smart contracts
AI-powered real-time risk monitoring and sanctions screening built in
Phase two will unlock cross-border payment settlement through Zoth's infrastructure across high-volume remittance corridors across South Asia , South east Asia & MENA .
Movement Network will serve as the preferred settlement backend for both the vault and payment products.
How It Fits the Larger Picture
A partner building financial products for emerging markets used to need several vendors to cover payments, settlement and savings. Movement now covers all three in a single integration.
Zoth fills the piece that was missing: institutional-grade, low-volatility yield backed by assets that most retail and fintech users in emerging markets have never been able to access directly. Alongside KAST, Circle's USDCx, Avant Protocol, Sorted Wallet, and Yuzu Money - Zoth rounds out a stack that no single correspondent bank can replicate.
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This post is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any digital asset, security, financial instrument, or stablecoin, or financial, investment, legal, or tax advice. Zoth’s products and services described in this post are made available solely by Zoth, are subject to Zoth’s terms and to applicable law. Movement does not provide payments, money-transmission, custody, or stablecoin services. Stablecoin transfers and payments involve risk, including risk of loss. This post is not directed at, and is not intended for distribution to, persons in jurisdictions where its publication would be unlawful. Forward-looking statements reflect Movement's current expectations and are not guarantees; actual outcomes may differ.
