zVLT is Live. Start Earning 14% to 17% APY On-Chain

Hey There,

We’re excited to share that zVLT is now live, and our new dApp is officially open for deposits.

zVLT is a yield-bearing ERC-4626 vault token that gives you access to real returns from consumer loans originated off-chain. When you deposit USDC, you receive zVLT, which represents your share of the underlying loan pool and increases in value as borrowers repay.

zVLT is targeting a 14% to 17% base APY, driven by borrower repayments in the U.S. consumer credit market. This performance is made possible by the team behind Zivoe, who have managed billions in consumer credit at TradFi institutions such as JPMorgan Chase, Wells Fargo, Elevate Credit, Plain Green Loans, and more.

We’ll be rolling out additional pages and features beyond the deposit page shortly, so stay tuned for more. Ready to get started? You can make your first deposit here:

👉 https://app.zivoe.com

Want to understand how zVLT works under the hood?

👉 Read the docs

And the returns powering zVLT are already proven.

Over the past 30 days, the underlying strategy behind zVLT delivered a 14.21% APY, driven by real repayments from consumer loans. While zVLT is newly launched, it’s built on the same lending framework used in our prior tranche system, now redesigned for simplicity and accessibility using the ERC-4626 vault standard.

See how it compares:

zVLT offers one of the few consistently high yields available on-chain, built on a sustainable structure designed for long-term performance.

Heading to EthCC? Come say hi!

Zivoe is on the ground this week at ETHCC in Brussels. If you're attending, we’d love to connect.

Our founder Kristal Gruevski will be speaking on a panel at the Hack Seasons side event, diving into how real-world assets are reshaping on-chain finance. If you’re curious about how traditional credit markets meet crypto rails, it’s a conversation you won’t want to miss.

We’re just getting started with zVLT and our new dApp. If you're exploring high-performing ways to earn yield on-chain, or want to partner with us as we scale, let’s talk.

Reach us any time at [email protected] or message @thorabbasi on Telegram.