# 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**](/developer-docs/core-contracts.md) - Dive deeper into the technology that runs Zivoe, including our smart contracts and system architecture. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.zivoe.com/user-docs/introduction.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.