Zivoe
@ZivoeProtocol
Zivoe is a real-world asset (RWA) credit protocol that provides anyone who qualifies tokenized exposure to $1.5+ trillion US consumer credit market.
Last Friday, Zivoe received another $78K interest payment. This puts us on pace to generate over $1M in annualized revenue from our initial $6M lent, making Zivoe one of the most capital-efficient RWA protocols in the market. And we're just getting started.

It has been a monumental week for crypto with the passage of the GENIUS Act! We’d like to thank @circle and others for the work they’ve done in helping us get here. At Zivoe, we are excited to further utilize stablecoins to revolutionize consumer lending.

Great seeing Zivoe Founder & General Counsel @HumbleGal__ dropping knowledge on the importance of RWAs in Cannes! Reach out if you’re at EthCC and want to learn how you can gain exposure to tokenized consumer credit via Zivoe.
Sunshine, good vibes, and insightful panelists in Cannes today talking RWAs. Honestly, couldn’t have asked for a better day. Thanks for having me at the Hack Seasons Conference @mpost_io!
Every Zivoe loan earns yield from borrower repayments, not token inflation. Access one of private credit’s top-performing segments on chain, once reserved for institutions.
How zVLT works in three simple steps: 1⃣ On-chain lenders deposit stablecoins into the vault 2⃣ That capital funds off-chain consumer loans 3⃣ As loans are repaid, yield flows back on-chain Currently targeting a base 14%-17% APY. Learn more below ⬇️
Zivoe isn’t just building a lending platform; it’s reengineering access to U.S. credit markets for the global underserved. Kristal Gruevski (@HumbleGal__), Founder at @ZivoeProtocol, and the team are bridging compliance, data, and decentralization to make that happen.…
Tokenization meets consumer credit with zVLT. Deposit stablecoins on-chain and tap into a portfolio of real-world consumer loans, targeting a base APY of 14%–17%. Unlock reliable real-world yield today with Zivoe.
#HSCLifeRules by Kristal Gruevski (@HumbleGal__), Founder & General Counsel at @ZivoeProtocol Kristal sees stablecoin regulation as the U.S.’s runway back to the forefront, but breaking ground will take a renegade spirit. The banks move slow, but if the tech is strong and the…
Continuing to offer one of the leading yields in RWAs, now with our upgraded zVLT product and improved UI. 🤝
zVLT is live. Deposits are now open. Targeting a 14% to 17% APY on-chain, backed by consumer credit. Built by a team with decades of experience managing billions in consumer loans. 1/