For the complete documentation index, see llms.txt. This page is also available as Markdown.

Introduction

Zivoe is a tokenization protocol providing on-chain access to short-duration private credit. Depositors supply stablecoins to a vault that finances diversified credit portfolios.

Why Zivoe?

  • Private credit yield: Access yields generated by short-duration private credit portfolios, designed to be uncorrelated with broader crypto and financial markets.

  • Auto-compounding: Returns accrue continuously to the price of the vault token, compounding automatically without the need to claim or restake.

  • Composable by design: Depositors receive a vault token (zVLT) built on the ERC-4626 standard, enabling composability across the broader DeFi ecosystem.

  • Professional risk management: Zivoe's team comes from leading TradFi and DeFi institutions including JPMorgan Chase, Wells Fargo, Capital One, Experian, and Maple Finance, with over 40 years of collective experience managing credit risk.

  • Structural protections: Assets financed through the protocol are held in dedicated special purpose vehicles (SPVs) designed to segregate assets and help protect depositor funds.


How It Works?

  • Deposit stablecoins (USDC or USDT) through Zivoe's platform.

  • Receive vault tokens (zVLT) representing your proportional position in the assets being financed.

  • Earn as the underlying credit portfolios generate repayments, with returns accruing continuously to the price of zVLT.

  • Redeem your vault tokens for stablecoins, reflecting your initial deposit plus any yield accrued.


User Documentation - Learn how Zivoe works and how to participate in the protocol. You're in this section now.

Developer Documentation - A deeper look at the technology behind Zivoe, including smart contracts and system architecture.

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