# Zivoe

> The private credit layer for stablecoins

Zivoe is an on-chain private credit platform and digital lender. It deploys stablecoin and institutional capital through lending partners, giving verified participants tokenized exposure to consumer and business credit portfolios.

Zivoe is an on-chain private credit platform and digital lender that connects stablecoin and institutional capital with real-world lending markets. Participants deposit stablecoins and receive a vault token that accrues value as underlying credit portfolios generate repayments, giving them tokenized exposure to short-duration private credit without directly originating or servicing loans themselves.

The platform addresses the gap between on-chain capital and private credit markets by coordinating strategy administration, portfolio reporting, and compliance workflows on behalf of participants, while established lending partners originate and service the underlying loans. Assets financed through the platform are held in dedicated special purpose vehicles designed to segregate and protect depositor funds. Tokenization and issuance infrastructure for its offerings is provided through a third-party partner, and the platform operates on Ethereum with additional networks planned.

Zivoe offers a stablecoin deposit vault that issues zVLT tokens representing a proportional position in financed credit portfolios, with plans to support additional private credit strategies over time. Participation is limited to verified accredited investors and eligible non-U.S. persons who complete identity and compliance checks before depositing. The platform serves institutional and retail participants seeking yield tied to private credit performance rather than broader crypto market activity.

- Type: Company
- Sector: Finance
- Status: Active
- Profile: https://thegrid.id/profiles/zivoe

## Products

- [Zivoe Vault](https://thegrid.id/profiles/zivoe): Zivoe Vault is a tokenized real-world-asset platform that gives users on-chain exposure to short-duration private credit portfolios. Depositors supply stablecoins to a vault built on an ERC-4626 standard and receive a yield-bearing vault token whose value automatically compounds as underlying consumer loans repay. Verified participants can track their position through the platform and submit redemption requests, subject to available liquidity and vault terms. (RWA Tokenisation Platform, Live, Main Product)
- [Zivoe](https://thegrid.id/profiles/zivoe): Zivoe is a real-world asset credit protocol that provides tokenized exposure to consumer credit markets, enabling users to earn yield through a professionally managed portfolio backed by consumer loans while maintaining instant liquidity through automated redemptions. (RWA Tokenisation Platform, Live, Main Product)

## Assets

- [Zivoe (ZVE)](https://thegrid.id/profiles/zivoe): ZVE is the governance token of Zivoe, an on-chain private-credit protocol. Holders use it to vote on protocol proposals and can stake it to earn a share of protocol yield. A fixed supply and vote-escrow style staking align long-term participants with governance decisions. (Governance)
- [Zivoe Senior Tranche Token (zSTT)](https://thegrid.id/profiles/zivoe): zSTT is a vault token representing deposits in the senior tranche of Zivoe's private-credit portfolios. It grants holders a priority claim on yield distributions ahead of junior tranche holders, giving lower risk exposure in exchange for comparatively lower returns. The token accrues value as underlying loan repayments flow through the protocol's yield distribution mechanism. (Vault Tokens)
- [Zivoe Junior Tranche Token (zJTT)](https://thegrid.id/profiles/zivoe): zJTT is a vault token representing deposits in the junior tranche of Zivoe's private-credit portfolios. It absorbs losses before the senior tranche but earns a larger share of yield, offering higher risk and reward exposure. Returns accrue as the underlying credit portfolios generate repayments distributed through the protocol. (Vault Tokens)
- [Zivoe Vault (zVLT)](https://thegrid.id/profiles/zivoe): zVLT is Zivoe's ERC-4626 vault token, issued to depositors of USDC or USDT into the protocol's short-duration private-credit vault. Its price appreciates as underlying credit portfolios generate repayments, so returns accrue automatically without staking or claiming. The token is composable with other decentralized finance applications built to the ERC-4626 standard. (Vault Tokens)

## Links

- [Main](https://zivoe.com)
- [Blog](https://blog.zivoe.com)
- [Documentation](https://docs.zivoe.com)
- [Terms of Service](https://docs.zivoe.com/terms/terms-of-use-privacy-policy)
- [Twitter / X](https://x.com/ZivoeProtocol)
- [Telegram](https://t.me/zivoeprotocol)
- [GitHub](https://github.com/Zivoe)
- [YouTube](https://www.youtube.com/@Zivoe)
- [LinkedIn](https://www.linkedin.com/company/zivoe-finance)

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

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- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP