• Zivoe launches its RWA credit protocol to democratize credit access using blockchain technology.
• Zivoe’s ITO offers risk-stratified tokens for liquidity providers, starting July 31st for up to 30 days.

Zivoe, a Real-World Asset (RWA) credit protocol, is pleased to announce its imminent launch on July 31st. This launch marks a watershed point in the democratization of credit access through blockchain technology.

Bridging On-Chain Liquidity and Real-World Borrowers

Zivoe’s objective is to increase lending access by linking on-chain liquidity to real-world borrowers. In its first phase, Zivoe will make on-chain loans to a strategic lending partner, who will then utilize the funds to provide more cheap fiat loans to customers.

Zivoe’s long-term goal is to connect consumers directly, merging on-chain finance with traditional financial (TradFi) systems.

The launch will include Zivoe’s Initial Tranche Offering (ITO), a revolutionary liquidity bootstrapping mechanism that aims to attract initial Total Value Locked (TVL). Liquidity providers (LPs) can deposit stablecoins into Zivoe’s senior or junior tranches and receive Tranche Tokens in exchange.

These tokens provide risk-adjusted exposure to Zivoe’s loan portfolio, are secured by a special purpose vehicle (SPV) backed by consumer loan cash flows, and can be staked for a yield.

ITO participants will also get $ZVE, the platform’s native governance and utility currency, which will be airdropped when the ITO is completed. The ITO is planned to begin on July 31st and will last up to 30 days.

Prominent Investors Back Zivoe with $8.35 Million in Funding 

Zivoe raised $8.35 million in a funding round that featured notable investors Andrew Keys, Iceberg Capital, and Concave, under the direction of a team with extensive experience in TradFi consumer lending and decentralized finance (DeFi).

“We are grateful to reach this significant milestone and blessed to introduce an innovative solution to the traditional lending industry,” stated Kristal Gruevski, Zivoe’s Founder and General Counsel. He added:

“Our ITO will provide DeFi users (US Accredited Investors and Non-US persons only) with unprecedented access to the consumer credit market. This is just the beginning of a new era where blockchain technology and real-world lending converge. We are beyond excited to help millions of underserved individuals around the world while bringing a new RWA product to DeFi.”

As Zivoe begins on this ground-breaking adventure, it is positioned to transform the consumer credit environment by providing new options and financial inclusion to people around the world.