Zivoe is a decentralized credit protocol designed to disrupt the high interest consumer lending market globally. The company aims to expand affordable credit access to unbanked and underserved financial sectors using cryptocurrency and blockchain payment systems. Zivoe's long-term vision is to create a financially inclusive ecosystem of decentralized finance (DeFi) products that will enable fully automated consumer lending directly from the blockchain. Initially operating under a B2B2C model, Zivoe plans to evolve towards direct consumer engagement. The company focuses on providing equitable credit solutions to millions who lack access to standard rate credit, leveraging its extensive experience in consumer lending. Zivoe generates revenue through its governance and utility token, ZVE, which has a fixed supply of 25 million tokens. The token is integral to the protocol's operations and governance. By bridging traditional finance with on-chain finance, Zivoe aims to make a significant impact in the financial sector.

Keywords: decentralized credit, blockchain, cryptocurrency, DeFi, consumer lending, affordable credit, unbanked, underserved markets, ZVE token, financial inclusion.