A Real-World Asset Credit Protocol Disrupting High-Interest Consumer Lending - Zivoe Protocol 🌎

Why It Matters

By channeling DeFi capital into real-world consumer lending, Zivo aims to refinance predatory, high-interest loans and expand affordable credit in underbanked markets while creating a new on-chain yield product, potentially reshaping how retail lending is funded and priced. This model could both lower borrowing costs for vulnerable consumers and open a regulated pathway for crypto liquidity to impact traditional credit markets.

Summary

Zivo (ZVO) is launching a real-world asset credit protocol on Ethereum that pools stablecoins into senior and junior tranches to fund originators who underwrite nonprime personal loans, primarily targeting high-interest consumer lending in underserved U.S. markets. Loans are routed through special purpose vehicles and interest payments are returned on-chain to provide sustainable yield to liquidity providers, who receive tranche tokens that can be staked for additional rewards. The protocol is governed by a community DAO using an ERC-20 ZVE token, which grants voting rights and distribution of governance incentives. Zivo is currently running a 30-day initial tranche offering (ITO) with a 10% APR for senior and 22% APR for junior tranches, with eligibility restrictions for certain U.S. participants.

Original Description

Hey guys! There’s a new protocol coming live that is aiming to help victims of predatory, high-interest loans to refinance their debts and begin improving their financial health.

So we are talking about my partners Zivoe, which is a real world asset protocol that works by pooling capital on-chain and then lending it to consumers in the real world.

In this video, we dive into everything they are building, including both the junior and senior tranches, their current ITO, how you can get invovled and much more.

Check them out and learn more! 👉🏻 https://www.zivoe.com/launch/ggc

#Zivoe #ZiveoPartner #crypto #cryptolending #realworldcredit

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Please note: In consideration of creating this media, Zivoe has sponsored this video. This disclosure is in compliance with Section 17(b) of the United States Securities Act of 1933. Thank you Zivoe for supporting the channel!