ZeroFi Protocol
Some of the most valuable crypto assets were never designed to interact with DeFi 🧩
Monero and Zcash are two clear examples. Built as privacy-first cryptocurrencies, both use transaction models where amounts and addresses are obscured at the protocol level by default.
This design makes direct interaction with smart contracts, lending protocols, and the broader DeFi ecosystem impractical, given DeFi’s reliance on transparent and verifiable onchain state.
This is precisely where the ZeroFi protocol steps in, addressing that limitation by unlocking a path into DeFi for assets that were never designed to leave their native mainnet environments.
ZeroFi introduces a permissionless bridge that wraps native assets into fully backed ERC-20 wrapped tokens called zAssets. The first of these is zXMR, a 1:1 wrapped version of Monero that can interact with EVM-based systems while remaining redeemable back for native $XMR.
🪂 The ZeroFi testnet is now live, and the team has officially allocated 10% of the total $ZFI token supply to the airdrop, as outlined in the whitepaper. And according to the FAQ, anyone using the bridge during the testnet and early beta stage of the mainnet release will be eligible 🔥
The ZeroFi testnet allows users to bridge real $XMR (mainnet) to zXMR on Ethereum Sepolia, and back again. This is experimental infrastructure, so it’s important to proceed carefully ⚠️
📖 Below is a practical guide based on real user experience, covering wallet setup, bridge pitfalls, and the key steps that matter for using the ZeroFi testnet and qualifying for the $ZFI airdrop.
ZeroFi Protocol
Step by step guide ZeroFi Protocol Airdrop
Set up wallets for testing → Create fresh wallets dedicated to the testnet only.
• Choose a Monero wallet from the official Monero downloads page, prioritizing mobile wallets for a smoother experience, and fund it with a small amount of real $XMR, either by sending directly or swapping from another coin inside the wallet (minimum swap sizes apply and conversion losses may occur).
• Set up a new EVM wallet for testnet usage, such as MetaMask or Rabby, switch it to Ethereum Sepolia, claim a small amount of test ETH form the faucet for gas fees, and add zXMR as a custom token so balances display correctly.
⚠️ Avoid using wallets that hold meaningful funds, as the bridge is experimental.
Wrap XMR to zXMR on Ethereum Sepolia → Connect your EVM wallet to the ZeroFi bridge, select XMR → zXMR, generate a Monero deposit address, and send a small amount of $XMR from your Monero wallet. Once the deposit is confirmed, finish the $XMR wrapping process by clicking Mint zXMR on Ethereum Sepolia.
Note: The interface may feel slow, as it pulls data directly from nodes, and Monero transactions can take time to progress.
Unwrap zXMR back to XMR → Switch the bridge direction to zXMR → XMR, enter your own Monero wallet address that you control as the destination, and confirm the transaction to burn zXMR and release native XMR back to that wallet.
💡 Airdrop eligibility is based on real bridge activity, not transaction size. Repeated participation over time, along with shared feedback, better reflects meaningful involvement.
Explore advanced testnet actions → Claim testnet $ZFI tokens, then follow the official GitHub instructions to run a node, form a cluster, stake and delegate, and process TXs.
📌 Node operators earn rewards from bridging fees and ZFI token inflation.
* Follow @OfficialZeroFi on 𝕏, and join Discord and Telegram to stay aligned with testnet updates, roadmap progress, and ongoing protocol development as ZeroFi prepares for mainnet.
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