Gold preserves value.
It doesn’t multiply it.

An ecosystem enabling gold-token lending and farming,
generating institutional-grade yields across emerging markets.

A gold-linked RWA platform connecting TradFi and Web3 lending

#RWA #Gold #Finance

  • ZAMICA is built on a dual-token system: ZAMIC for utility, ZAM for gold value
  • A P2P lending platform collateralized by gold-linked RWA tokens
  • An open lending infrastructure enabling anyone to operate lending services on ZAMICA
  • Gold token farming services generating additional yield on top of gold price increase
  • An RWA-based ecosystem that connects with financial systems in developing countries and supports local economies
  • Future expansion beyond Web3 lending through integration with fiat-based traditional financial institutions, diversifying revenue sources for gold token farming

Direct exposure to gold price appreciation
Additional returns from a gold-linked token
ecosystem

  • EXPECTED. Capital gains from gold token redemption during gold price increase
  • MORE. Ongoing returns from lending and ZAM farming despite gold price declines
  • EXTRA. Stability through TradFi-integrated capital management

Services delivering real returns and
convenience to users

ZAM
FARMING
  • ZAM owners earn rewards through the ZAM farming services provided by LPs
  • LPs borrow USDT/USDC against ZAM collateral for asset building activities
  • LPs generate returns through high-yield deposits or lending with partner traditional financial institutions, in addition to Web3 financing
USDT
LENDING
  • ZAM owner can borrow USDT/USDC against ZAM
  • Users can borrow against gold tokens without selling gold
  • All users are allowed to operate lending services through ZAMIC staking
DEBIT
CARD
  • Users can spend assets via debit or credit cards enabled by Mastercard and Visa partnerships
  • Zero-fee cards are issued to support education, women’s empowerment, and small business development in developing countries, in line with ESG initiatives

Services support platform operations
and revenue

USDT
LENDING
  • The foundation participates as a lender, providing USDT/USDC to lenders and LPs at lower yields
  • Profits are generated through high-interest deposits or lending to partner traditional financial institutions
  • These aforementioned activities secure stable resources for the sustainable operation of the ecosystem
ZAMIC
STAKING
  • Staking-based qualification requirements for obtaining LP or Lender status
  • Staking requirements scale with loan funding size and ZAM Farming volume
  • Increases in LP and Lender activity contribute to ZAMIC circulation control and token price stability
TRANS
ACTION
  • Transaction fees apply to ZAM and ZAMIC transactions on the platform
  • Transactions are offered under free or paid options based on purpose
  • ZAM-based debit and credit card services are expected to drive fee revenue growth

Business models after launch for
continued growth

WALLET
  • The wallet supports Base Chain, Ethereum, and BSC, enabling token deposits, withdrawals, and swaps
  • The wallet allows users to purchase ZAM using USDT or USDC
  • VASP-related fees and transaction costs are incurred through wallet usage, contributing to revenue generation as the business scales
ESCROW
  • The escrow service is designed for secure cryptocurrency-based asset and service transactions
  • The escrow service is extended beyond internal platform transactions to support off-platform transactions

Long-term Stability, Lasting Value

ZAMICA’s ecosystem is focused on long-term stability, enabling sustainable growth
and lasting value for participants.

ZAMIC & ZAM

AMICA is built on a dual-token system: ZAMIC for utility, ZAM for gold value.

zamic-coin
ZAMIC

Governance & Utility Token

  • Exchange-listed and circulating utility token
  • Subscription fees and qualification deposits for lenders and ZAM farming LPs

zam-coin
ZAM

Gold-based RWA Token

  • Equivalent to 0.01 grams of physical gold
  • Purchasable exclusively with USDT or USDC
  • Always redeemable through the foundation at market price
  • P2P tradable within the platform
  • Backed by physical gold or gold deposit balances held with certified TradFi financial institutions
The ecosystem is built on two digital assets: ZAMIC as the credential, and ZAM as the collateral.

UTILITY TOKEN

TOKEN SYMBOL zamica token
NAME ZAMICA TOKEN
TICKER ZAMIC
STANDARD BASE Chain(ERC-20)
DECIMALS 18
TOTAL SUPPLY 1 Billion Tokens

GOLD BACKED RWA TOKEN

TOKEN SYMBOL zamica token
NAME ZAMICA Dig-Gold
TICKER ZAM
STANDARD BASE Chain(ERC-20)
DECIMALS 18
Issued supply Based on ZAMICA’s Gold Assets

ZAMIC & ZAM Flow

An interdependent ZAMIC–ZAM cycle
  • The wallet supports Base Chain, Ethereum, and BSC, enabling token deposits, withdrawals, and swaps
  • The wallet allows users to purchase ZAM using USDT or USDC
  • VASP-related fees and transaction costs are incurred through wallet usage, contributing to revenue generation as the business scales

Profit Generation:

Profits driven by gold-token farming and lending.

1. Reward-Generating Farming

  • ZAM holders deposit ZAM to provide on-chain liquidity
  • ZLPs leverage deposited ZAM as collateral to access USDT financing
  • ZFarming and rewards are executed transparently via smart contracts
All deposited ZAM is securely held in foundation-managed wallets.
Any user can become an LP by staking ZAMIC based on their ZAM farming scale.

2. Yield-Generating Lending

  • Users may borrow USDT/USDC or ZAMIC by pledging ZAM as collateral
  • Smart contracts execute lending and liquidation transparently
  • Collateral ZAM is held in foundation-managed wallets
  • Any user can become a lender by staking ZAMIC based on their lending scale
  • Lenders stake ZAMIC proportionally to scale and define loan terms independently
Any user can offer lending services, even with a small amount.

Flow of ZAMIC

A self-sustaining cycle designed for stability.
  • Proceeds from ZAMIC sales are invested in high-interest deposit and lending products across Web3 and traditional finance
  • The resulting returns are used to acquire gold assets and expand financial assets that serve as the underlying basis for issuing the gold-linked ZAM
  • This cycle helps maintain solid ZAMIC circulation and supports the stability of ZAM

ESG Donation

A new model of principal-recoverable philanthropy
  • A principal-recoverable donation pool is created through partnerships between the ZAMICA ecosystem and traditional financial institutions
  • Donors purchase ZAMIC with USDT and stake it for a predetermined period within an ESG-dedicated pool
  • USDT proceeds from ESG ZAMIC sales are provided to microfinance and student loan programs as interest-free loans

100% principal recovery for ESG ZAMIC donors

  • ESG ZAMIC buyers can fully recover 100% of their staked ZAMIC upon maturity
  • Upon expiration of the staking period, ZAMIC is unlocked and freely disposable by the donor

Recovered loan principal supports ZAMIC stability

  • When loan funds are repaid by traditional financial institutions, the foundation repurchases ZAMIC from the market
  • Repurchased ZAMIC is returned to the ESG Pool and allocated to new donors.This controlled circulation supports sustained ZAMIC price stability
TOKENOMICS
Allocation Ratio Token Numbers Unlock Purpose
Ecosystem 44% 4,40,000,000 Locked for 2 years, then released monthly at a rate of 1/120 For ecosystem development, expansion and maintenance
Marketing 20% 200,000,000 Released monthly at a rate of 1/120 For marketing activities to promote project growth
R&D 10% 100,000,000 Released monthly at a rate of 1/120 For R&D to support ecosystem sustainability
Team 5% 50,000,000 Locked for 2 years, then released monthly at a rate of 1/60 For team compensation based on project contributions
Advisor 5% 50,000,000 Locked for 1 year, then released monthly at a rate of 1/24 For advisory services rendered to the project
Partner 2% 20,000,000 Locked for 1 year, then released monthly at a rate of 1/12 For rewards and swaps with strategic partners
Private Sale 6% 60,000,000 Locked for 3 months, then released monthly at a rate of 1/12
Public Sale 4% 40,000,000 No lock-up
Liquidity 4% 40,000,000 No lock-up For ensuring market liquidity stability
Total 100% 1,000,000,000

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Developed to create tangible benefits for both ZAMICA and its users,
ZAMICA’s ecosystem seamlessly combines TradFi and DeFi.

For more information about the ZAMICA private sale,
get in touch with us.

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