Whitepaper
v2.0 · June 2026

Zovira Real Asset Fund

An overview of the fund, the ZVR token, and the mechanics of all three verticals — fractional real estate, Southeast Asia developments, and automotive arbitrage — alongside governance and legal framework.

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01

Executive summary

Zovira is a real asset fund that lets investors deploy crypto into hard, income-producing assets and receive their returns on-chain. Where most digital-asset products are backed by tokenomics, every Zovira position is backed by a real apartment, a real development, or real vehicle inventory.

The fund operates three verticals: (1) fractional real estate in the US, EU and Dubai, sold as on-chain NFT units that pay monthly rent for three years before a target buyback; (2) Southeast Asia developments, ground-up projects with a buyback or rental-share exit at completion; and (3) automotive arbitrage, where each NFT funds one salvage-to-export vehicle and is bought back at the investor's principal plus 90% of that car's profit.

Participation is settled with the ZVR token and programme-specific positions on Solana, chosen for fast, low-cost settlement.

Zovira's founding thesis: the most reliable wealth-building assets have always been the least accessible. We built the rails to change that — with crypto as the on-ramp and real assets as the foundation.

02

The three verticals

VerticalAssetHorizonTarget return
Real estateFractional NFT units (US/EU/Dubai)3 yearsMonthly rent + 150% buyback
SE Asia developmentsGround-up projectsTo completion200% buyback or rental share
AutomotiveOne NFT per vehiclePer car cyclePrincipal + 90% of car profit
03

ZVR token

ZVR is the fund's settlement and membership token. Funding is in crypto and investor payouts are denominated in SOL on Solana; ZVR provides on-chain identity for positions and governance. Individual real-estate units are issued as Solana NFTs tied to a specific property; each automotive NFT is tied to a specific vehicle.

ParameterValue
Token nameZovira Real Asset Unit
TickerZVR
NetworkSolana
Funding & payoutsFunded in crypto · paid out in SOL
Real-estate unitsSolana NFTs tied to a specific property
CustodyMulti-sig with independent co-signers
04

Real estate mechanics

Zovira acquires tenanted, income-producing property in the United States, European Union and Dubai. Each unit is divided into fractional shares minted as Solana NFTs and transferred to investor wallets.

  • Investors buy a chosen percentage of a unit with crypto.
  • Net rental income is distributed pro-rata in SOL every month for 36 months.
  • At the end of the three-year term, Zovira targets a buyback of each share at 150% of the capital the investor paid.
  • Title is held through local SPVs; the NFT represents the investor's claim.
05

Southeast Asia developments Coming soon

The development vertical funds ground-up malls, residences and mixed-use projects across Thailand, Vietnam and Indonesia — regions in an early, sustained development cycle driven by urbanisation, a growing middle class and tourism.

  • Investors back a development from inception with crypto.
  • At completion, each investor chooses between a target 200% buyback of committed capital, or conversion into an ongoing share of the completed development's retail rental proceeds.
  • Each project is held in a dedicated SPV to isolate project-level risk.
06

Automotive arbitrage

Zovira operates a vehicle arbitrage desk: salvage, insurance and auction vehicles are purchased in the US at steep discounts, reconditioned in bulk through a workshop network, and exported to high-demand markets in the Middle East and Africa.

  • Each NFT represents one specific vehicle. Buying it funds the purchase of that car in crypto.
  • Zovira repairs and exports the car, then resells it to dealers and buyers abroad.
  • When the car sells, the NFT is bought back at the original price plus 90% of that car's resale profit, settled in SOL. Zovira retains 10%.
  • Every position is backed by a real, identifiable vehicle — and Zovira only earns when investors profit.
07

Governance & custody

Operational decisions are made by the fund manager with oversight from an independent advisory board. Physical assets are held through local SPVs with institutional-grade legal title; on-chain assets are custodied via multi-signature smart contracts with independent co-signers.

Transparency

Positions, unit issuance and distribution events are recorded on-chain, giving investors a verifiable audit trail of their holdings and payouts.

Questions about the fund?

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