With Zoth Secure Trade Finance (ZSTF) product, Zoth is looking to be a one-stop shop for  investments in secure fixed-income generating real-world assets from emerging markets while providing timely and low-cost global capital to SMBs from emerging markets

The global trade finance market has several problems for lenders/investors and borrowers. The main problems faced by lenders and investors are:
1) The lack of financial payment rails.
2) Transparency issues tracking and validating receivables and assets.
3) High transaction costs and fees.

Borrowers face a different set of problems:
1) Loan approvals can take several months.
2) Funds for invoice payments include several months of runway leading to accrual of account receivables.
3) Cross-border trade finance is a complex process requiring significant document processing. 

Through Zoth Tokenized liquid notes (ZTLN) product Zoth is bringing a Highly liquid RWA product with no lock-ins. generating 6% fixed yield from low-risk instruments like US Treasuries and High-rated corporate bonds.

During Zoth’s engagement with Institutional Investors with substantial stablecoin reserves, primarily these below challenges were observed in the space which ZTLN is positioned to solve:

1) Defi Ecosystems do not have many stable fixed-income yield sources
2) Most RWAs lack on-demand liquidity callbacks due to the nature of the underlying RWA
3) Currently not many avenues for regulated and compliant stable fixed yield RWAs as a whole. 
