Transform
your NFTs
into loans.
Instantly.
Get instant loans in real-time with your NFT collection without losing ownership over them.
Fast. Easy. Safe.
What you can do
with Zharta

Borrow

Select the assets you want to collaterize or the amount you need. Get the loan instantly.

Lend

Deposit in one of our lending pools and earn interest. After you lend, you can bid on the defaulted assets.
How Zharta
How Zharta
works for
Explore how much you can get with your assets.
Choose your lending pool and start earning, no risks
Select the amount, we select the assets. Choose with the slider how much you want to borrow. We will help you pick assets that support your loan.
Explore all our lending pools. After you select one, you can choose the amount of your deposit and for how long it will be available. The more time it is there, the more you earn.
Or select your assets, we help you with the amount. Pick the assets you want to use as collateral and we will generate how much you can borrow.
After you deposit, you can bid or withdraw. Bid for defaulted assets within the pool, or withdraw the invested amount and gains according to the pool’s performance.
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Join the Zharta
community
Zharta is for everyone who love NFTs and to invest — like you. Join our community and be one of the first to know our latest updates.
Thank you for joining our community!
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@pcbo says
Bringing liquidity and utility to the NFT market is fundamental, protocols like @ZhartaFinance that allow lending pools as NFT collateral are a great path forward to achieve this.
@ZhartaFinance is about to shake up the NFTS market... real time loans with lending pools. What a leapfrog in user experience.
Numbers speak for themselves
10,300 eth
lended
5,040 eth
borrowed
4,560 eth
total profit
3,048 eth
assets traded
How you can start
For Borrowers
01
Click ‘Borrow now’.
02
Connect your wallet (you only need to do this in the beginning).
03
Once inside the Borrow page, select currency and period of loan.
04
Use the slider to select the amount of your loan. Assets will be automatically chosen and suggested to you. You can deselect assets that you don't want to use.
05
In alternative select the assets you want to colleratize, then adjust the amount of your loan.
06
If you agree, approve the quote given.
07
You get your loan in real-time. It's that easy!
For Lenders
01
Click ‘I want to lend instead’.
02
Connect your wallet (you only need to do this in the beginning).
03
Once inside the Lend page, you’ll be able to see the Lending Pool list and filter it by asset and type of currency.
04
Check the details of each lending pool, such as risk level and the assets inside loans in the pool, and then select the pool you’re interested in.
05
Click ‘Deposit and earn’.
06
After making a deposit, you can bid for NFTs that are in the pool or withdraw the invested amount and your gains. So you get more ways of earning!

Our founding team

Nuno Cortesão
Co-Founder & CEO
Diogo Pires
Co-Founder & CTO
Pedro Granate
Co-Founder & COO
Would you like to be part
of our team?
View open vacancies

FAQ’s

01
When I apply for a loan on an NFT, does Zharta take my NFT?
No. Zharta never gets custody of an asset. Collateralized NFTs are held in a smart contract escrow. This means that the assets are always subject to the pre-agreed business rules of the loan.
02
Can I pay my loan in instalments, like I pay a mortgage?
Yes. You can make your payments until you secure the full amount of your loan. Once you have paid the full due amount, you can get your NFTs that were pledged as collateral for your loans.
03
The collateral’s value I use in my loan went down. Can I be liquidated?
In our current version, all contracts are time-bounded. This means they have a term. If the value of the collateral decreases during this period, the borrower will not be liquidated.
04
Can I borrow using more than one NFT asset to support my loan?
Yes, you can use one or more different community assets or bundles from the same category.
05
I know how much I need but not which assets to collateralize. Now what?
Select the capital you want to borrow and we’ll help you choose the assets that best support your loan. And if you don't agree with our selection, you are able to freely customize the NFTs against the one/s you want to borrow.
06
Is Zharta a DeFi company?
Yes. Zharta allows for non-custodial loans on top of decentralized smart contracts to take advantage of the strength, transparency, and security of the blockchain networks where your assets are located.
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Zharta
is real-time
non custodial
multichain
lending pools
default recovery
risk control
NFT discovery
zhartanomics
non custodial
multichain
lending pools
default recovery
risk control
NFT discovery
zhartanomics
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