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- Zivoe Crosses $625k in Revenue and Gears Up for zVLT Launch
Zivoe Crosses $625k in Revenue and Gears Up for zVLT Launch
The only project in crypto providing exposure to tokenized consumer credit.
Hitting $625k in Real Revenue
Last Friday, we received an interest payment of $78,000 from borrower repayments. This brings total revenue to $625,000, all generated from actual borrower activity rather than token incentives.
We're now preparing to roll out zVLT, our new vault token that will make earning yield from consumer credit even easier on-chain.

The Upgrade to zVLT Begins
The upgrade to zVLT starts this week. Migration is now underway at the contract level as we move from the dual-tranche system (zSTT and zJTT) to a single, unified vault token.
The public-facing interface isn’t live yet. Soon, users will be able to complete their migration directly in the dApp. When that happens, we’ll release a step-by-step guide to make the process easy for anyone holding tranche tokens.
In the meantime, here’s how zVLT works:
Deposit stablecoins into the vault and receive zVLT
Consumer loans are funded off-chain
Borrowers repay those loans over time
Capital is brought back on-chain, growing TVL
zVLT tracks that growth at a ~15.5% APY base
Since yield is no longer flowing to the junior tranche, we’ve implemented a retroactive yield policy. Junior tranche holders will continue to accrue a fixed 25% APR until the migration window closes. That yield will be paid out in stablecoins at the end of the period.
This new structure, along with the upcoming dApp, represents the next phase of Zivoe as we prepare to begin scaling TVL and expanding access to real-world yield from consumer credit on-chain.
The Zivoe Ambassador Program is Now Live
As part of our marketing efforts around zVLT, we’ve launched the Zivoe Ambassador Program. If you believe in the importance of real yield for the future of crypto and want to help grow Zivoe, this is your chance to get involved.
Ambassadors will support the community, grow awareness, and earn ZVE for their contributions.

That’s it for this week’s update!
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 [email protected] or message @thorabbasi on Telegram.
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