Your Guide to Understanding ZAMICA
Frequently Asked Questions

Tokenized gold is a digital asset backed by physical gold.

Tokenized gold offers easier liquidity, fractional ownership, and faster cross-border transfers compared to physical gold, which requires storage and handling.

It is a gold-backed RWA token representing 0.01 grams of physical gold.
On ZAMICA, it functions as the principal mechanism for gold investment, potentially enabling the realization of capital gains.
In addition, ZAM owners can access financial services such as collateralized lending and reward-bearing farming.

Yes, ZAMICA is preparing to launch ZAM, a RWA token backed by physical gold, for individual users.
ZAM can be purchased through ZAMICA’s mobile application using either the ‘user-to-user trading’ feature or the ‘purchase from the foundation’ option.

There is no fixed purchase limit for individual users. However, since ZAM is issued only up to the value of the gold-backed assets held by the ZAMICA Foundation, purchases are restricted within that total supply.

ZAM owners can check their holdings anytime through the platform app currently being developed by ZAMICA.

Each ZAM is backed by 0.01 grams of physical gold, held securely either through subscription to bank-offered gold deposit accounts or in the form of physical bullion, under the custodianship of a certified financial institution.
To guarantee complete transparency, gold reserves are independently audited and periodically disclosed to the public.

ZAMIC is both a payment method and a credential for the lending and Liquidity provider service on the ZAMICA platform.
ZAMIC Token is also a tradable token available through exchanges.

The ZAMICA app does not provide a feature to directly purchase ZAMIC with ZAM, nor to buy ZAM with ZAMIC. Specifically, ZAM can only be purchased using USDT or USDC.

Yes, the ZAMICA platform allows LPs to provide ZAM liquidity through farming and earn rewards. Users can also act as lenders or liquidity providers themselves, engaging in more aggressive yield-generating activities.”

Yes. Users can pledge ZAM tokens on ZAMICA as collateral to borrow USDT or USDC from lenders.
As in traditional finance, borrowers must pay interest to lenders. The interest rate and payment method can vary depending on the lender, and borrowers may choose the loan product that best fits their preferred terms.

To become a lender on the ZAMICA platform, users must stake a certain amount of ZAMIC with the Foundation to obtain eligibility. The scale of USDT/USDC loan funds they can manage is determined by the amount of ZAMIC staked. However, the loan fund size does not have to be identical to the total value of the staked ZAMIC; instead, it is set based on a proportional increase applied to the staked value.

Yes, the scale of loan funds managed by a lender may increase or decrease depending on fluctuations in the value of ZAMIC. If the value of ZAMIC falls and the staked ZAMIC drops below the threshold required for loan eligibility, then without additional ZAMIC deposits, the lender may be unable to issue new loans even if previously lent funds are repaid at maturity.

On the ZAMICA platform, lenders provide loans only in USDT or USDC.

Yes. To minimize the lender’s risk in case of default, ZAM must always be pledged as collateral.

ZAM pledged as collateral are automatically unlocked by the smart contract and returned to the borrower.
If there is any outstanding balance of principal or interest, it will be deducted accordingly, and the remaining value settled in USDT/USDC
Interest rates and collateral terms may vary depending on each lender’s policy.

In the event of borrowers defaulting on repayment, the smart contract automatically liquidates the locked ZAM tokens.
The outstanding loan amount is then deducted, and any remaining value is returned to the borrower in USDT/ USDC

The ZAMIC ESG POOL is a dedicated pool of ZAMIC allocated to provide interest-free loan funds to banks in developing countries. These banks then extend zero-interest or low-interest loans to students, women seeking self-reliance, small business owners, and farmers. Participants who share this vision can purchase ZAMIC allocated to the ESG pool, and the purchase proceeds are lent to financial institutions in developing countries that provide interest-free loan services. The ZAMIC purchased by participants is locked for a certain period, and once the loan term expires and the tokens are unlocked, participants are free to dispose of them as they wish

When participants purchase ZAMIC from the ZAMIC ESG Pool allocated by the ZAMICA Foundation for ESG activities, the purchase funds are lent to banks in developing countries. These banks provide low-interest or interest-free loans to students, women seeking self-reliance, small business owners, and farmers. The purchased ZAMIC is locked for a period ranging from six months up to two years. After the lock period ends, the tokens are unlocked and participants are free to use them as they wish. Since all ZAMIC purchased for ESG activities is fully returned to the participants, it is called a principal-recoverable donation.

ZAM owners can farm their ZAM with liquidity providers (LPs) on the ZAMICA platform to earn additional rewards. LPs use the farmed ZAM as collateral to borrow USDT or USDC from lenders. They then engage in various profit-generating activities within the platform or take advantage of high-yield products offered by traditional financial institutions designated by the ZAMICA Foundation. A portion of the profits earned is distributed back to ZAM owners as rewards.”