Introduction

Zivoe is a RWA protocol that invests in consumer credit. You deposit stablecoins, the funds are lent to consumers, you earn yield.

Real-world yield: Earn competitive yields (14% - 17% APY) from private credit deals that are uncorrelated with border financial markets.
Auto-compounding: Returns are automatically compounded to maximize earnings.
DeFi ready: When you deposit stablecoins, you receive receipt tokens (zVLT), which are composable with major DeFi apps like Uniswap, Curve, and Morpho (integrations coming soon).
Professional Risk Management: Zivoe's team comes form leading TradFi and DeFi institutions including JPMorgan Chase, Wells Fargo, Capital One, Experian, and Maple Finance. Collectively the team has over 40+ years of experience managing credit risk.
Bankruptcy Remote: The consumer credit portfolio backing zVLT is held off-balance sheet in a Bankruptcy-Remote Special Purpose Vehicle (BKR-SPV) which ensures users funds are protected.

Deposit stablecoins (USDC or USDT) onto Zivoe's platform.
Receive vault tokens (zVLT) which represent your ownership in the consumer credit portfolio.
Earn yield. As borrowers make interest payments, the value of your vault tokens (zvLT) go up.
Redeem your vault tokens (zVLT) back for your stablecoins plus any yield that you've earned.

User Documentation - Learn the basics about Zivoe, how it works, and ways you can participate in the protocol. You're in this section now!

Developer Documentation - Dive deeper into the technology that runs Zivoe, including our smart contracts and system architecture.

Last updated 4 days ago