Directory/Zivoe
Zivoe

Zivoe

Contact
Visit website
Resources
Category
  • DeFi Apps
  • Fintechs
Use Cases
  • Asset Tokenization
  • Borrowing and Lending
Circle Products Used
  • USDC
Blockchains Supported
  • Ethereum
On/Off-Ramps
  • Yes
Platform
  • Android
  • iOS
  • Web
Free/Paid
  • Free
Region
  • APAC
  • Europe
  • LATAM
  • Middle East and Africa
  • North America

Zivoe is a real-world asset (RWA) credit protocol that allows anyone who qualifies to gain tokenized exposure to the consumer lending market.

Zivoe is a real-world asset (RWA) credit protocol that enables qualified participants to gain tokenized exposure to the consumer lending market. This asset class has historically been accessible only to institutions and is known for its consistent performance and strong risk-adjusted yield characteristics. The U.S. segment alone exceeds $1.5 trillion, with global consumer credit markets continuing to grow.

Through Zivoe’s vault, users deposit stablecoins and receive zveUSD, an auto-compounding ERC-4626 token. Capital is deployed into off-chain, fixed-rate installment loans. As borrowers repay over time, those repayments flow back into the protocol to generate real yield for depositors.

Zivoe helps improve access to credit while expanding access to a historically institutional asset class. By connecting onchain capital to real-world lending activity, we aim to bring greater transparency, automation, and opportunity to credit markets worldwide.

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