HOW DOES ZERU WORK

HOW DOES
ZERU WORK

HOW DOES
ZERU WORK

HOW DOES
ZERU WORK

First of all

There is zero

magic involved

based on your activity

ZScore is generated through a proprietary formula

based on your fees

The protocol mints credit
tokens to your wallet

As you

Lend, borrow, repay loans – 
your fees are locked in PCVR

We’ve built An iterative proprietary algorithm

Based on reputation and

onchain behaviour

based on your activity

ZScore is generated through a proprietary formula

based on your fees

The protocol mints credit
tokens to your wallet

As you

Lend, borrow, repay loans – 
your fees are locked in PCVR

We’ve built An iterative proprietary algorithm

Based on reputation and

onchain behaviour

We’ve built An iterative proprietary algorithm

Based on reputation and onchain behaviour

based on your activity

ZScore is generated through a proprietary formula

based on your fees

The protocol mints credit
tokens to your wallet

As you

Lend, borrow, repay loans – 
your fees are locked in PCVR

We’ve built An iterative proprietary algorithm

Based on reputation and

onchain behaviour

We’ve built An iterative proprietary algorithm

Based on reputation and onchain behaviour

As you

Lend, borrow, repay loans – your fees are locked in PCVR

Lending Pool (LP)

The lending pool with the highest asset utilization in the market, that’s used to start the perpetual motion DeFi machine

01

Higher APYs than incumbent lending protocols

02

Profit share from defi strategies

Lending Pool (LP)

The lending pool with the highest asset utilization in the market, that’s used to start the perpetual motion DeFi machine

01

Higher APYs than incumbent lending protocols

02

Profit share from defi strategies

Protocol Controlled Value Reserve (PCVR)

Insurance fund, that makes Zeru credit economy anti-fragile, and serves as collateral for zero collateral loans

01

Interest on loans + % profits from strategies + user fees

02

Serves as an insurance fund for the LP

Protocol Controlled Value Reserve (PCVR)

Insurance fund, that makes Zeru credit economy anti-fragile, and serves as collateral for zero collateral loans

01

Interest on loans + % profits from strategies + user fees

02

Serves as an insurance fund for the LP

Credit Tokens

$17,354.98

based on your fees

The protocol mints credit tokens to your wallet

ZScore

815

based on your activity

ZScore is generated through a proprietary formula

ZScore

815

When you take a zero collateral loan

Credit tokens are used
as collateral and you get
the loan from the LP

Credit tokens are used as collateral and you get the loan from the LP

What if you don’tWhat if you don’t
What if you don’tWhat if you don’t
What if you don’tWhat if you don’t
repay your loan?repay your loan?
repay your loan?repay your loan?
repay your loan?repay your loan?

first of all

You’re stealing money from yourself

You’re stealing
money from yourself

You’re stealing
money from yourself

secondly

Only up to 80% of the
insurance fundcan be used
as collateral to borrow

Only up to 80% of the insurance fund can be used as collateral to borrow

so even

If 100% of loans default –

Zeru has liquidity to function

If 100% of loans default – Zeru has liquidity to function

To start

Your first loan needs to be asset backed

Your first loan needs
to be asset backed