April Interest Payment in - Zivoe Surpasses $469k in Revenue!

Zivoe has officially surpassed $469K in revenue, following our sixth interest payment last Friday. This milestone cements our status as one of the highest-yielding and most resilient RWA projects on-chain.

zveUSD Contracts - Audited & Ready

Last week Zivoe completed an audit with Runtime Verification for our new zveUSD vault contracts. Within the next few weeks, we’ll be rolling out a new site with the launch of zveUSD to take place shortly thereafter - stay tuned for more details!

Zivoe x Frax - Liquidity Pool Partnership

We’re thrilled to announce our partnership with Frax, one of DeFi’s leading stablecoin ecosystems. Our joint zveUSD/frxUSD liquidity pool passed governance with overwhelming support and will go live shortly after zveUSD’s launch. This is a major step forward in deepening secondary market liquidity for both zveUSD and ZVE.

Nonprime Consumer Lending Outlook: Resilience in Recession

Despite recent crypto volatility, Zivoe continues to outperform the RWA sector — thanks to our focus on nonprime consumer credit, one of the most recession-resilient private credit segments.

• TransUnion’s 2025 guidance projects origination growth across all consumer credit tiers — with nonprime consumers leading the way.

• Their latest report shows delinquencies declining, with subprime down 10% YoY.

• As banks and card issuers tighten, demand shifts to nonprime lenders, allowing for higher volume and greater selectivity.

What’s surprising (and counterintuitive) is that nonprime credit often outperforms in uncertain markets. As traditional lenders tighten, nonprime borrowers are pushed out of prime channels — creating more demand and giving nonprime lenders more volume and greater ability to be selective.

• We’ve seen this dynamic firsthand at Zivoe — our Head of Risk took nonprime consumer lender Elevate Credit public.

• In their S-1, Elevate highlights that between 2008 and 2015, revolving credit from the top 5 card issuers to nonprime Americans shrank by ~$143B.

• That’s a massive demand gap — and one that alternative lenders like Elevate were able to capitalize on.

• Despite the recession, Elevate maintained stable loss rates while traditional card issuers saw defaults rise.

• Why? Because for many borrowers, keeping up with installment loans is a way to safeguard future access to essential credit — like cards, auto financing, and home loans.

Want to learn how Zivoe offers crypto-native access to one of the top-performing segments in private credit?

Let’s talk — reach us at investors@zivoe.com or message @thorabbasi on Telegram.