zVLT offers qualified purchasers exposure to a professionally managed portfolio of non-prime consumer loans—an asset class that has delivered strong, risk-adjusted returns to Wall Street investors for over 50 years. The loans zVLT invests in typically range from $2,000 to $10,000 in notional size and are extended to borrowers across the North American region who demonstrate strong repayment behavior.

zVLT is a yield-bearing token, meaning that it delivers returns through price appreciation. As borrowers make interest payments, the underlying loan portfolio grows in value—reflected by a steadily increasing token price.

zVLT delivers compelling yields that consistently outperform traditional stablecoin lending opportunities across the DeFi ecosystem. The strategy targets net annual returns of 14-17% APY, supported by a team with decades of experience managing consumer credit risk.