
Zivoe
Zivoe is an RWA credit protocol on Ethereum where USDC depositors earn yield from a diversified, short-duration consumer-lending portfolio.

What is Zivoe?
Zivoe is a real-world asset credit protocol on Ethereum. Users deposit USDC, receive zVLT vault shares that auto-compound, and earn yield as the underlying portfolio originates short-duration loans against consumer credit assets across the Americas and EU. Loan assets are held in special-purpose vehicles with audits and Securitize/Chainalysis compliance, with around $230K TVL and roughly $7M of active loans outstanding.
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App store listings are independently reviewed and written by Alchemy using a combination of inbound submissions, editorial research, public project sources, and third-party directories, including ecosystem data from The Grid under the Open Database License, DefiLlama, DappRadar, Reown, and chain ecosystem pages.

