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Zharta
Zharta is a DeFi lending platform that enables fixed-rate, non-custodial credit against tokenized assets such as NFTs, RWAs, and securities. It offers institutional-grade, programmable credit infrastructure serving both borrowers seeking leveraged, predictable financing and lenders/institutions looking to structure diversified, risk-adjusted lending strategies on-chain.
Distributed
Description
Zharta operates a smart-contract-based lending protocol that merges institutional compliance with DeFi composability, allowing users to borrow against or lend using tokenized assets like NFTs, real-world assets (RWAs), and securities. Borrowers can access fixed-rate loans for predictable funding costs, build leveraged looping strategies, and negotiate custom credit terms with the ability to refinance and service loans while retaining non-custodial control of their assets. Lenders can create multiple structured, diversely priced credit offers, use callable loans and opt-in liquidations for flexibility, and automate offer creation, refinancing, and servicing via APIs or white-label integrations. The protocol has originated over $20M in total loans and collateralized assets across 5,000+ loans and rentals, with its smart contracts audited, and counts partners such as Keyrock, Drip Capital, and SquiggleDAO among its clients, serving sophisticated investors, institutions, and DAOs seeking on-chain credit and yield opportunities.Grant Funding
VC Funding
None
2022
$0
$4.3M