Zharta provides a platform for institutional-grade, non-custodial credit leveraging tokenized assets with DeFi speed and compliance. Users can access tailored, fixed-rate loans or structure diversified lending strategies with programmable parameters. The service enables collateral to remain productive while locked, optimizing capital efficiency across digital and real-world assets.
Funding
$4.3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
NFT holders often face challenges in accessing immediate liquidity without selling their valuable digital assets. Traditional lending platforms may not adequately address the unique characteristics and valuation complexities associated with NFTs.
Solution
Zharta is a peer-to-peer lending and renting protocol that enables users to leverage NFTs and Uniswap V3 LP positions as collateral for securing crypto loans. The platform facilitates instant loans and flexible refinancing options, eliminating the need for price oracles and auto-liquidations. Zharta allows lenders to earn high yield returns by lending against NFTs and Uniswap V3 LP positions, with the opportunity to claim the collateral in case of default. The protocol also supports NFT rentals, allowing users to rent gaming resources and other digital assets at a fraction of their market price.
Target Audience
Zharta primarily targets NFT holders, DeFi users, and Web3 gamers seeking to unlock liquidity from their digital assets or generate yield through lending and renting.
Features
- Support for NFTs and Uniswap V3 LP positions as collateral
- Borrower-triggered refinance feature for improved loan terms
- Native loan sales to other lenders, consolidating liquidity
- Custom open offers based on NFT traits or LP pairs
- Mobile-optimized user interface
- Low gas fees and pro-rated early repayment model
- No NFT price oracles or forced liquidations
- NFT rental functionality for gaming resources and other digital assets