# Zivoe audit contest Sherlock · Lending · 8th April 2024 · #3 A public audit contest on Sherlock (lending), completed on 8th April 2024. 0xSimao placed #3. 4 of his findings are published: 4 medium. ## What Zivoe is Zivoe is a real-world asset credit protocol aiming to disrupt predatory high-interest consumer lending. Leveraging a B2B2C model, Zivoe offers on-chain loans to regulated consumer lending entities, who then use that capital to fund consumer credit products off-chain. These entities then utilise the yield from such products to fulfil their on-chain obligations to Zivoe. ## Scope The Zivoe core: senior and junior tranches, the initial tranche offering, yield distribution and the DAO's credit and liquidity lockers. ## Medium severity findings - [`ZivoeYDL::earningsTrancheuse()` always assumes that `daysBetweenDistributions` have passed, which might not be the case](https://0xsimao.com/findings/zivoe-zivoe-ydl-trancheuse-distributions) - [OCL_ZVE::pushToLockerMulti() will revert due to incorrect assert() statements when interacting with UniswapV2](https://0xsimao.com/findings/zivoe-revert-assert-interacting-uniswap) - [When APR late rate is lower than APR, an OCC locker bullet loan borrower can pay way less interests by calling the loan](https://0xsimao.com/findings/zivoe-occ-bullet-pay-interests) - [Rewards are calculated as distributed even if there are no stakers, locking the rewards forever](https://0xsimao.com/findings/zivoe-rewards-distributed-stakers-locking) ## The contest [View the contest page](https://audits.sherlock.xyz/contests/280)