Introduction

A Brief Overview of Zivoe

What is Zivoe?

Zivoe is a Real-World Asset (RWA) protocol that's connecting consumer credit markets to Ethereum. It enables DeFi users to fund unsecured consumer loans in the real-world while earning yield from them on-chain. Zivoe facilitates the issuance of these loans through a network of origination partners, tokenizes them, and brings the resulting interest payments back on-chain. This creates a sustainable source of yield within the DeFi ecosystem.

Our Mission

At Zivoe, we are using DeFi to make credit more accessible and affordable for consumers across the globe. We are improving access to capital in underbanked and underserved credit markets that aren't adequately supported by traditional financial institutions. In these areas, borrowers often face exorbitantly high interest rates. Our goal is to offer a more affordable alternative, providing fair and reasonable credit options that can help break the cycle of high-interest debt.

When you deposit stablecoins to Zivoe, you play a crucial role in transforming the lives of those ensnared by predatory lending practices. The capital provided helps refinance oppressive debts—often with interest rates exceeding 100% APR—into much more manageable and lower-cost loans. This direct intervention allows individuals to escape the cycle of debt and start on a path to financial recovery.

Our efforts are currently concentrated on disrupting the high-interest consumer lending market within the U.S., specifically focusing on the nonprime personal loan sector. Each contribution to Zivoe is used to refinance a high-interest loans, drastically reducing the interest rates and offering a lifeline to those most in need of support.

Through Zivoe, participants are not just depositing capital to another DeFi protocol; they are funding hope, opportunity, and financial freedom.

---

How It Works

Liquidity providers deposit stablecoins (USDC, USDT, DAI, or FRAX) into either our senior or junior tranche and in return receive tranche tokens, which can be staked to earn yield. When new deposits are made, Zivoe sends the capital to an originator that underwrites consumer credit in the real-world. The resulting loans are pooled together and transferred to a Special Purpose Vehicle (SPV) which pays interest back to the protocol. These interest payments are received on-chain and paid out to liquidity providers staking tranche tokens.

---

Navigating These Docs

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

How-To Guides - These step-by-step guides walk you through how to use our dapp, participate in the tranches, stake ZVE, and more.

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