Meet the Team
We come from leading financial institutions and DeFi protocols including JP Morgan Chase, Wells Fargo, and Maple Finance.
Jay Abbasi
Founder
Kristal Gruevski
Founder & General Counsel
John Quarnstrom
CTO & Co-Founder
Thor Abbasi
Head of Operations & Co-Founder
Dennis Baca
Head of Product & Founding Member
Walt Ramsey
Head of Risk
Stephanie Puzzo
Head of Marketing
Alex Serban
Web3 Full-Stack Engineer
Chad Deal
Head of Compliance
Shannon Wright
Controller
Our Mission
Zivoe (”z-eye-voh”) is a Balkan word meaning “to life.” At Zivoe, we believe finance should empower life—not limit it. Yet, millions of people around the world are financially excluded, unable to access the credit they need to build their futures. Zivoe is changing that. By leveraging blockchain, we connect borrowers and lenders across borders, creating an open financial system that is accessible to everyone. With greater transparency, efficiency, and fairness, we are reshaping the global credit market—one loan at a time.
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©Zivoe 2025. All Right Reserved.
Zivoe is a technology services provider. Use of the Zivoe Protocol involves risks, including but not limited to the potential loss of digital assets. Before using the Zivoe Protocol, you should review our documentation to ensure you understand how the Protocol works. As described in our Terms, the Zivoe Protocol is provided on an “as is” and “as available” basis, at your own risk. We explicitly disclaim any representation or warranties of any kind relating to the Protocol, and no developer or entity will be liable for claims or damages of any kind associated with use or inability to use the Protocol.