Transform
your NFTs
into loans.
Instantly.
How Zharta
How Zharta
works for
Explore how much you can get with your assets.
Contribute to the lending pool and start earning, safely.
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.
Check the lending pool stats and make a deposit. You can choose the amount and how long it will stay in the pool. The longer you leave it there, the more you can potentially 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 make your deposit, you can bid on defaulted assets within the pool, or withdraw the invested amount and your gains according to the pool’s performance.
**We currently have one lending pool, with plans to create more in the near future.
**We currently have one lending pool, with plans to create more in the near future.
How you can start
For Borrowers
01
Click ‘Borrow now’.
02
Connect your wallet (you only need to do this the first time).
03
Once inside the Borrow page, select the currency and period of the loan.
04
Use the slider to select the amount you want to borrow. If you enable auto-select, assets will automatically be chosen and suggested to you. You can deselect assets that you don't want to use.
05
Alternatively, disable auto-select, pick the assets you want to collateralize manually and we will generate how much you can borrow accordingly.
06
If you agree with the terms, approve the quote.
07
You get your loan in real-time. It's that easy!
01
Click ‘Borrow now’.
02
Connect your wallet ((you only need to do this the first time)
03
Once inside the Borrow page, select currency and period of the loan.
04
Use the slider to select the amount you want to borrow. If you enable auto-select, assets will automatically be chosen and suggested to you. You can deselect assets that you don't want to use.
05
Alternatively, disable auto-select, pick the assets you want to collateralize manually and we will generate how much you can borrow accordingly.
06
If you agree, approve the quote.
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 the first time).
03
Once inside the Lend page, you’ll be able to see the Lending Pool statistics
04
Click ‘Deposit and earn’.
05
After making a deposit you can bid for defaulted NFTs that are in the pool, withdraw the invested amount and your gains, or keep your funds in the pool to keep earning.
01
Click ‘I want to lend instead’.
02
Connect your wallet (you only need to do this the first time).
03
Once inside the Lend page, you’ll be able to see the Lending Pool statistics
04
Click ‘Deposit and earn’.
05
After making a deposit you can bid for defaulted NFTs that are in the pool, withdraw the invested amount and your gains, or keep your funds in the pool to keep earning.
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!
Why Zharta
Invest and borrow in a secure and user-friendly interface
Get real-time loans without losing the ownership or utilities of your NFTs
Get real-time loans without losing the ownership and utilities of your NFTs
Invest and borrow in a secure and user friendly interface
A solid project funded by well-known investors and with an amazing team behind it.

Our founding team

Nuno Cortesão
Co-Founder & CEO
Diogo Pires
Co-Founder & CTO
Pedro Granate
Co-Founder & COO
Nuno Cortesão
Co-Founder & CEO
Diogo Pires
Co-Founder & CTO
Pedro Granate
Co-Founder & COO
Would you like to be part
of our team?
Check out our job openings
Our investors
Green field one
Shilling VC
Possible ventures
Uniwhales
Spaceship
Olisipo
Cleverweb logo
Audited by
Red4sec
Roadmap
Testnet
Launched
February, '22
Mainnet
Invitational
Official launch
Q3, ‘22
Join the Zharta
community
Zharta is for everyone who loves NFTs and to invest - like you. Join our community, meet new people and chat about everything Web3. Ask us anything, or tell us what you think. Be one of the first to know about 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

FAQ’s

01
What is Zharta?
Zharta is a real-time NFT loan platform for borrowers and lenders. Zharta allows you to get instant loans with your NFTs without losing ownership over them.
02
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.
03
What is a smart contract? How do they work?
Smart contracts are programs stored within the blockchain that work as self-executing contracts. Once the two parties agree upon the terms, these are coded into the contract and deployed to the blockchain, thus rendering the transaction irreversible, traceable and transparent.
04
The value of the collateral I used for my loan went down. Can I be liquidated?
No. In our current version, all contracts are time-bound. This means they have a fixed term. During that period of time, the pre-agreed rules of the loan remain the same regardless of any changes happening outside their scope. As such, if the value of the collateral decreases during this period, the borrower will not be liquidated.
05
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
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.
06
I know how much I need but not which assets to collateralize. Now what?
You can select the capital you want to borrow and we’ll help you choose the assets that best support your loan. If you don't agree with our selection, you are free to customize the NFTs you want to use, provided they match the value required for the loan you chose.
07
I’d like to lend to get a passive income, but I’m afraid that Zharta crashes and I’ll lose my money. How do I know that won’t happen?
We have measures in place to prevent a liquidity crisis, such as lock periods and utilization rates. NFT loans are very new so there’s a lot of room for improvement, and we hope to learn as the industry matures.
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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
Put
your JPEGs
Put
your
JPEGs
to
work.
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