@zothdotio now FINTRAC-registered as an MSB in Canada. This anchors our stablecoin rails in North America and wires them directly into the highest-growth corridors of the Global South, where $700B in cross-border volume moves on infrastructure that's slow, costly, and barely compliant. Every license we secure unlocks another corridor, another liquidity route, another step toward instant, compliant money movement on-chain. Scaling and moving one step closer each day with every milestone. $1B in annual total payments volume soon....

Never give up

250 jobs cut in India today by one memo @Opendoor Feel for every person affected. But the lesson isn’t fear — it’s speed. @zothdotio , 7 people move $50M in global payments/ month . AI routing engine our ZAI agentic framework. That ratio was impossible 3 years ago. Fable 5 just raised the bar again. If you’re in IT services or ops: the train is leaving. Get on it. Drive the change, or be driven by it.

My journey of building @zothdotio i had a fair share experiences .Some were just world class and some were just worst of the breed. We have just kept moving ahead . Neither a rejection /attack could stop us. I believe every rejection adds a chip on our shoulder.. To win… To prove those who wrote us off wrong.. till that we will not rest.

I am screwed.. explains my recent graying of hair

So true

A founder messaged me at 11pm last week. Payroll was due in 36 hours. His treasury was in USDC, and his off-ramp had just gone quiet in a compliance review. Forty people were expecting their salary on the 1st. He had dollars sitting on-chain and no clear path into the bank in time. He didn't have a rate problem. He had a settlement problem and after building stablecoin payment rails for years, I can tell you he's far from the only one. Here's what changed. As of June 1, UAE salaries are due on the 1st of the month. The old "pay sometime before the 15th" buffer is gone. For most companies that's a calendar adjustment. But if your money lives in stablecoins, your off-ramp just quietly became the most important step in your payroll. And it's never only payroll. The same off-ramp carries your supplier payments, your cross-border settlements, your global money movement across time zones. When that one leg is slow or unpredictable, the whole business feels it not just on the 1st. That's what we built @zothdotio to do. Stablecoin reserves into AED, settled the same day, documented for your books, through VARA-licensed partners, at under 0.2%. So the off-ramp stops being a monthly gamble and becomes the thing you never think about. And off-ramp is just the start. This is what we're building at Zoth: borderless money movement for every business the legacy system left behind.

Its hard but its worth it

Such a joke @coinbase and some experts have made of themselves :)

HIRING again: we broke our inbox once, we're doing it again. 3 days. 10,000 applications. 200,000 impressions. I posted one job. The internet responded like Wildfire. But here's what that moment really told me, people are exhausted from building things that don't matter. They want to work on something the world is already moving toward whether it's ready or not. At Zoth, we're not building a feature. We're building a full-stack stablecoin neobank with payments, vaults, yield, cards, compliance, and agentic financial infrastructure. It's chaotic, high-stakes, and deeply unglamorous some days. We need people who see a hard problem and think "finally, mine" not people who wait for tickets to drop. So we're opening more seats: - Product Owner, Stablecoin Payments - Product Owner, DeFi Vaults - Product - Designer (neobank or vaults experience) - Product Marketing, Stablecoin Payments If you have sharp product instincts, strong taste, fresh ideas, and an owner's mindset. DM me directly with a video of why you're a fit for any of the above roles. The Chief of Staff role taught me there are thousands of people ready to go all in on the right thing. This is the right thing. Are you the right person?

We will reimagine the financial ecosystem and Zoth will be listed in NYSE soon.

I'm looking for a hungry, smart, high EQ future-founder to work side-by-side with me in Dubai as my Chief of Staff. DM me a <2 minute video about why you want this role. You are good for this role if your friends think of you as - trustworthy - mature - a force of nature - the smartest person they’ve met - kind & helpful - quick at learning new things If I was 24 -27 right now, this would have been my dream job - front row seats to a rollercoaster of a lifetime :)

Institutions are not waiting for DeFi to become safe. They are waiting for it to become legible. That's the real adoption gap. Over the last 18 months, I've had conversations with banks, asset managers, and sovereign funds, and the same concern keeps coming up: "We don't know what we're signing." It's not fear of blockchain. It's the inability to understand, audit, and govern what happens on-chain. DeFi built incredible infrastructure, AMMs, liquidity pools, lending protocols, but most of it was designed for anonymous users and code-native trust. Institutions operate differently. Every transaction needs accountability, compliance, auditability, and regulatory clarity. Programmable money without programmable compliance just doesn't scale for institutional capital. This is why stablecoins matter. Not because they're simple, but because they're understandable. A regulated, dollar-denominated stablecoin is something a CFO can explain to a board, a compliance team can audit, and a regulator can evaluate. They're not the final destination, they're the first sentence of a new financial language that institutions are only beginning to speak. The fastest movers aren't chasing yield. They're building settlement rails, on-chain identity, programmable compliance, tokenized collateral, institutional-grade infrastructure. The next phase of DeFi won't be won by protocols with the highest APY. It'll be won by the systems institutions trust enough to actually move capital through. The future of finance isn't just decentralized. It's regulated, programmable, and on-chain.

From an idea in 3 years to moving NYSE we are just getting started @zothdotio

Its never the class Toppers or the most intelligent ones who win in life. It’s always the most resilient ones @zothdotio post our March 2025 security incident we made a clear choice:- Choose people with long term mindset and resilience. High IQ’s isn’t enough

So true

When we started @zothdotio , I told the team one thing: “We will ring the NYSE bell one day.” Some smiled. Some doubted. Some left. The believers stayed. Today, Zoth appears in the Q1 2026 earnings deck of US-listed public company Bakkt (NYSE: BKKT) as a strategic partner powering compliant cross-border stablecoin payments. For us, this is not a headline moment. It is validation that the infrastructure being built for the next era of finance is real, global, and already in motion. The corridors are live today. Real businesses are already moving value across borders through compliant stablecoin rails. But this is only the beginning. Zoth is building toward a much larger vision, a privacy-first financial operating system for the Global South, where access to stable, programmable, and globally connected financial services is no longer limited by geography. To every person who stayed through the hardest chapters, the rebuilds, the setbacks, the long nights, and the uncertainty, this milestone belongs to you. We still have a long road ahead. Stablecoins will rewire trillions in legacy payment infrastructure. The Global South will build its own financial future. And one day, Zoth will ring that bell.

Closure happens 1:1.. just pick up phone and call

As you get older you stop thinking about what makes others happy but what makes you happy inside.

From Indian dna to building for the world.

In 10 years, your bank account won't be a place you log into. It will be a layer of intelligence that runs underneath your life. Here's what I see from where I'm standing, not as a prediction, but as the direction the builders shaping this future are already moving toward. Money becomes programmable by default. Not for developers only. For everyone. You'll set rules like "pay rent first, invest 20%, hold 3 months of expenses as a buffer," and the system enforces them. Automatically, continuously, without willpower. Privacy becomes infrastructure, not a premium. The default state of financial data will be encrypted and selective. You'll prove you meet a threshold without revealing the number. You'll verify identity without exposing it. AI agents handle routine financial operations. Not chatbots. But actual agents. Paying, reconciling, investing, hedging, all delegated to a system that knows your goals and executes without friction. The human stays in the loop for values and direction. The machine handles execution. Settlement becomes invisible and instant. The 2–5 day window disappears. Cross-border becomes as fast as local. FX costs compress toward zero. The experience of "international transfer" becomes indistinguishable from a local tap. Financial inclusion becomes structural, not charitable. The 1.4 billion unbanked people in the world aren't outside the system because they lack documents. They're outside because the system was never designed for them. New infrastructure, stablecoin rails, onchain identity, programmable accounts, all reach them directly. This future isn't inevitable. It gets built by people willing to work on the unglamorous parts, the rails, the compliance, the infrastructure nobody sees.