Zivoe (ZVE)

Zivoe is a real-world asset credit protocol aiming to disrupt predatory high-interest consumer lending by bringing yield from consumer loans on-chain. It bridges traditional and on-chain finance, connecting on-chain liquidity with real-world borrowers to create a more efficient and equitable lending ecosystem.

Series A Round: $8.35M

Whitepaper

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Interest lvl

NA

Updated: Jul 24, 2024

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User Rating

Medium

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Ticker

ZVE

Type

Utility-token

Token standard

ERC-20

FoundedUnited States

Registration year2024

Ecosystems

Ethereum

What is Zivoe

Zivoe aims to broaden credit access by linking on-chain liquidity with real-world borrowers. Initially, Zivoe will issue on-chain loans to a strategic lending partner, who will then use that capital to originate more affordable fiat loans to consumers. In the long term, Zivoe plans to engage directly with consumers, further bridging the gap between on-chain finance and traditional financial (TradFi) systems.

The launch coincides with Zivoe’s Initial Tranche Offering (ITO), a unique liquidity bootstrapping mechanism designed to attract initial Total Value Locked (TVL). Liquidity providers (LPs) can deposit stablecoins into either Zivoe’s senior or junior tranche, receiving Tranche Tokens in return. These tokens aim to offer risk-stratified exposure to Zivoe's loan portfolio, which is secured by a special purpose vehicle (SPV) backed by the cash flows from consumer loans and can be staked to earn yield.