Zivoe tokenizes private credit exposure on Ethereum, allowing users to deposit stablecoins and receive an ERC‑4626 vault token (zVLT) that auto‑compounds interest from diversified short‑duration loans. The platform routes funds to vetted loan originators, holds assets in SPVs for protection, and offers flexible redemption based on liquidity, delivering steady, risk‑adjusted yield to retail and qualified institutional investors.
Funding
$8.3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Investors seeking higher risk‑adjusted returns often cannot access private credit, an asset class traditionally limited to institutional players due to high minimums, opaque processes, and the need for off‑chain administration. This creates a gap for retail and qualified crypto users who want exposure to real‑world lending without navigating complex legal and operational barriers.
Solution
Zivoe bridges that gap by tokenizing private credit exposure on Ethereum. Users deposit stablecoins (e.g., USDC) and receive zVLT, an ERC‑4626 vault token that automatically compounds interest earned from off‑chain private credit loans. The protocol routes deposits to vetted asset originators, who underwrite and service diversified short‑duration loans across the Americas and EU. Interest and principal repayments flow back on‑chain, increasing the value of zVLT and delivering a steady, on‑chain yield. Liquidity is provided through direct redemptions subject to capital availability, and assets are held in special‑purpose vehicles to isolate user funds. The platform is secured by third‑party audits, custodial integrations, and SPV structures, offering institutional‑grade risk controls to retail participants.
Target Audience
Retail crypto investors and qualified institutional participants who want exposure to private credit yields without the high barriers of traditional fund structures.
Features
- ERC‑4626 vault token (zVLT) that auto‑compounds loan cash flows on-chain
- Direct deployment of stablecoin deposits into diversified private credit loans originated by established partners
- Special‑purpose vehicle (SPV) structure that segregates user assets from protocol operations
- Integration roadmap with leading crypto custodians for secure fund custody
- Audited smart contracts (Runtime Verification, Sherlock) and continuous on‑chain monitoring
- Flexible, no‑lockup redemption mechanism based on available liquidity
- Transparent portfolio dashboard showing loan geography, vintage, and performance metrics