I see thanks for clarifying. One thing I just want to make sure is clear—you can have a Zoom account with unique, individual users who log in and have their own profiles underneath your account. OR you can have you own account, and users can sign up for their own, entirely separate accounts.
If they will be using their own entirely separate Zoom accounts and you wish to have 1 set of API credentials, this would require OAuth. You would need to create an OAuth App and publish it on our Marketplace in order for it to be accessible to users outside of your account (following this App Submission process).
If you want to use JWT, you would need to add the users to your own Zoom account. They would have their own logins and user profiles under your account in this scenario. You could add these users programmatically via API (User Create API), and they would receive an email to sign up under your account. This method would not require the app submission process like OAuth, you would have 1 set of API credentials, and you could use JWT.
Let me know if this helps to clarify!