Zivo

Problem Statement

Zivo is a decentralized crypto credit protocol that brings traditional credit card functionality to Web3. It allows users to stake crypto assets like USDC as collateral to open a secured credit line, which they can use for real-world or on-chain payments. Over time, as users demonstrate responsible repayment behavior, their reputation increases, enabling higher credit limits — even moving into unsecured credit territory.Uniquely, Zivo integrates NFC-based hardware (Halo Chip) to enable tap-to-pay transactions directly from the user’s credit balance. This transforms crypto lending from a purely DeFi experience into something that works in everyday life, mimicking the convenience of traditional credit cards.Users can:Deposit/stake USDC to open a credit lineSpend using their crypto wallet or NFC-enabled devicePay back borrowed amounts within a 30-day grace periodEarn a reputation that unlocks higher borrowing limitsUse a clean, mobile-first interface powered by React + Privy for seamless onboardingOn the other side, lenders provide liquidity to the protocol’s pool and earn interest from repayments, similar to traditional banks — but fully decentralized.Zivo runs on Flow EVM, integrates LayerZero/Stargate for cross-chain collateral support, and uses smart contracts for trustless collateral management, lending, repayments, and credit scoring.In essence, Zivo is building the crypto-native credit card — programmable, composable, and usable anywhere.

Solution

Frontend Framework & Build ToolsReact 18 with TypeScript for type safety and modern React features Vite as the build tool for lightning-fast development and optimized production builds Tailwind CSS for utility-first styling and consistent design systemWeb3 IntegrationFlow Blockchain integration for fast, low-cost transactionsPrivy for seamless wallet connection and user authentication