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From Aqpedia

A Z-token is a form of in-game money that buy player houses and extremely powerful items. Z-token items can also be sold for large amounts of money. While small amounts of Z-tokens can sometimes be found after monster battles, the main way to get them is to buy them for real money and have them sent to your character immediately. Players can buy Z-tokens by visiting Valencia, in Battleon, who is standing in front of Yulgar's Inn. Players can also donate Z-tokens to their clans (see AQ clans article) in groups of 10, 50, 100, or 1000.