> For the complete documentation index, see [llms.txt](https://docs.zirodelta.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zirodelta.com/getting-started/what-is-zirodelta.md).

# What is Zirodelta?

**Zirodelta builds programmable personal balance sheets**: financial infrastructure that continuously turns idle digital assets into productive, liquid capital. [Zidee](/zidee-wallet/overview.md) is the wallet that lets anyone use that system.

In plain terms: the wallet where your money never sits idle. A normal wallet records your balance sheet; Zidee changes it. Your money should work as hard as you do, and everything Zirodelta builds exists to make that sentence true.

## The loop your money lives in

```mermaid
flowchart LR
    A([Money enters]) --> B["It works<br/>earns yield"]
    B --> C["It backs borrowing<br/>liquidity without selling"]
    C --> D[It stays liquid]
    D --> E[It gets spent]
    E -->|and keeps working| B
```

That is the whole product. Deposit once, and the system's job is to make sure no dollar of yours sits idle: it earns yield, it can back borrowing so you get liquidity without selling, and it stays spendable while it works. One honest qualifier: **earning is what exists today, in its proving phase.** Borrowing and spending are what the system is built to do, and they are in development, rolling out feature by feature. We do not claim a feature is live before it is.

## The layers

```mermaid
flowchart TD
    A["Zirodelta<br/>the company"] --> B["The Zirodelta Financial Engine<br/>the platform"]
    B --> C["Zidee<br/>the wallet you use"]
```

* **Zirodelta** is the company. It builds programmable personal balance sheets.
* **The Zirodelta Financial Engine** is the platform: the Yield Engine, Credit Engine, Conversion Engine, Settlement Engine, Treasury Engine, Referral Graph, and Fiat Rails.
* **Zidee** is the wallet that lets you use your balance sheet, at [wallet.zirodelta.com](https://wallet.zirodelta.com).
* **ZDLT** is access and alignment: a token that pays you to stay. Rewards are paid in **wzdUSD**, never in ZDLT, and they scale with how long and how much you hold ([tiers](/zidee-wallet/tiers.md) act as reward multipliers). The token is never diluted to pay you. See [ZDLT Overview](/zdlt-token/overview.md).
* **wzdUSD** is the working dollar of the balance sheet, the dollar you are paid in. See [wzdUSD](/zdlt-token/wzdusd.md).

## Where the yield comes from

The **Yield Engine**, the first running part of the Zirodelta Financial Engine, runs a **delta-neutral funding-capture** strategy on Hyperliquid: it collects funding payments while holding no bet on price direction. Yield is not paid from new deposits, and it is not paid by printing tokens. See [Delta-Neutral Explained](/the-zirodelta-financial-engine/delta-neutral-explained.md) and the [Yield Engine](/the-zirodelta-financial-engine/overview.md).

It is real money, but it is variable: some periods pay well, some pay little, some can pay nothing. We never promise a number.

## Honest about where we are

The Yield Engine works, but it is early. It is being **proven on the founder's own capital first**, on a public address you can watch, before a single user dollar is accepted. The vault that backs wzdUSD stays closed to user funds until an **independent security audit and a legal review** are complete. Borrowing, spending, and referral income are in development, not live. Nothing here is a guarantee, and nothing here is financial advice.

## What Zirodelta is not

It is not a trading terminal, a leverage casino, or a place you go to actively trade. It is not a bank, and it is not a "crypto neobank", those are features or postures, not the category. There is nothing to babysit: you hold a balance in a wallet, the engine works in the background, and the only job that is yours is to stay.

> For plain-English definitions of every term above, see [Key Concepts](/getting-started/key-concepts.md).


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.zirodelta.com/getting-started/what-is-zirodelta.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.