# Zivoe

> Grow your wealth with consumer credit

Zivoe lets users access consumer credit yield by depositing stablecoins and receiving a vault token on Ethereum.

Zivoe helps users earn yield from real-world consumer credit by depositing stablecoins to receive a vault token that accrues value from loan repayments. Users can deposit, accrue yield, and redeem through a simple vault workflow on Ethereum. The protocol focuses on diversified consumer loans and on-chain transparency.

- 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 vault on Ethereum that accepts stablecoin deposits and issues a yield-bearing share token. The system accrues returns from a portfolio of consumer loans and supports instant redemptions via programmatic workflows. (RWA Tokenisation Platform, Live, Main Product)

## Assets

- [Zivoe Governance Token (ZVE)](https://thegrid.id/profiles/zivoe): ZVE is the governance token of Zivoe, a real-world asset credit protocol operating on Ethereum. It is used to vote on protocol decisions and can be staked to earn rewards from the protocol's operations. The token was distributed to participants in Zivoe's Initial Tranche Offering, aligning early supporters with the protocol's long-term governance and direction. (Governance)

## 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)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


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

## Optional

- [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