# Introduction

### Why Zivoe?

* **Real-world yield:** Earn competitive yields from private credit portfolios that are uncorrelated with broader 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 from 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:** Assets financed by users are held in bankruptcy-remote special purpose vehicles (SPVs) to help protect depositor funds.

***

### How It Works?

* **Deposit** stablecoins (USDC or USDT) onto Zivoe's platform.
* **Receive** vault tokens (zVLT) which represent your ownership in the assets being financed
* **Earn** yield. As assets financed by Zivoe generate returns, the value of your vault tokens (zVLT) increases.
* **Redeem** your vault tokens (zVLT) back for your stablecoins plus any yield that you've earned.

***

### 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!

[**Developer Documentation**](https://docs.zivoe.com/developer-docs/core-contracts) - Dive deeper into the technology that runs Zivoe, including our smart contracts and system architecture.