The Zipcode Network · 2026

Real-world credit,
done better.

  • A Bittensor zk-Credit Oracle.
  • An Euler Credit Warehouse, built on EVM.
  • Vault Infrastructure by Gnosis Safe Zodiac & Chainlink CRE.

Bringing capital to HELOC originators & Increasing qualified flow to secondary markets.

Read the docs →How it works
Fig. 01 — The networkZipcode
zk-Credit OracleCREDIT WAREHOUSEZODIAC VAULTSGNOSIS ZODIACMOLOCH V3
Section 01 — The model

Asset-Backed Credit

01 / Supply

Credit Equity Vault

USDC depositors earn yield, and assume credit duration risk by depositing within the szipUSD Vault.

02 / Borrow

Line of Credit

HELOC originators must sign a repurchase agreement, and their lien must meet the qualification standards of secondary market partners.

03 / Repay

Solvency

HELOC originators must fulfill their repurchase agreement by the end of term, or their lien is sold to protect depositors.