Here you can find answers to common questions about Zivoe, our features, and services.
Zivoe is a real world asset (RWA) credit protocol that allows anyone who qualifies to gain tokenized exposure to the private credit market, an asset class historically favored by institutions for its strong risk-adjusted returns. By connecting stablecoin deposits to off-chain lending, Zivoe makes access to this segment available to individuals, offering exposure to yield opportunities that were traditionally out of reach.
Private credit has shown consistent performance across market cycles, providing stable returns even when public markets experienced volatility. During the 2008 financial crisis, when traditional credit contracted sharply, many private lenders continued to perform, supported by disciplined underwriting and diversified borrower bases. This history underscores the resilience of private credit as an asset class.
Note, Zivoe only serves as a technology interface, and as with all forms of private credit exposure, there are risks. Borrower defaults, underwriting errors, and broader economic conditions can all impact loan performance. Liquidity is also a consideration, as withdrawals are contingent on available liquidity. To mitigate these risks, Zivoe partners with established asset originators who handle underwriting and loan origination.
Depositors mint zVLT, Zivoe’s ERC-4626 vault token, by depositing stablecoins into the protocol. These funds are deployed off-chain into yield-generating private credit assets originated by Zivoe’s partners. Over time, interest and principal payments from these assets flow back on-chain and are automatically compounded into zVLT, allowing depositors to passively earn real, on-chain yield backed by private credit.
Zivoe currently takes a 15% protocol fee on the gross interest income generated from loan repayments. This fee supports ongoing operational costs, audits, and future development of the protocol. The remaining yield is distributed to zVLT holders, allowing them to earn the full benefit of on-chain cash flows after expenses.
Unlike many other real world asset credit protocols, Zivoe is built to be accessible to all who qualify, and as such there is no minimum deposit amount. You can deposit as much or as little as you would like.
Unlike many other real world asset credit protocols, Zivoe is built to be accessible to all who qualify, and as such there is no minimum deposit amount. You can deposit as much or as little as you would like.
Zivoe enforces no lockup period, and you can withdraw from your zVLT position at any time liquidity permitting. To see how much liquidity is available for redemptions and to submit a redeem transaction, simply visit our dApp. In addition to redemptions, there is also an active zVLT / USDC Uniswap pool providing another venue for users to exit their position.
Zivoe has transitioned from its original tranche-based system to a unified auto-compounding vault token called zVLT, which launched alongside our new dApp. Senior tranche token holders use their tokens in the new dApp to mint zVLT while junior tranche tokens holders will first need to visit our legacy dApp (a link to this can be found in the footer on this page) and convert their junior tranche tokens first to senior tranche tokens and then to zVLT.
Yes. Zivoe's smart contracts have been audited by Runtime Verification and Sherlock, two leading security firms in the blockchain industry. In addition to these audits, Zivoe employs continuous monitoring systems to track protocol activity, flag anomalies, and uphold operational security standards.
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Zivoe is a technology services provider. Use of the Zivoe Protocol involves risks, including but not limited to the potential loss of digital assets. Before using the Zivoe Protocol, you should review our documentation to ensure you understand how the Protocol works. As described in our Terms, the Zivoe Protocol is provided on an "as is" and "as available" basis, at your own risk. We explicitly disclaim any representation or warranties of any kind relating to the Protocol, and no developer or entity will be liable for claims or damages of any kind associated with use or inability to use the Protocol.