Zharta is on
Apechain

Zharta is on
Apechain

Liquidity for those who move.

Take me there
$12M+
Total Loans
$20M+
Total Collaterized NFTs
5K+
Total # of Loans and Rentals
$1M
Biggest Loan

Trusted by

Audited by

Why

BORROW crypto with Zharta

LEND crypto with Zharta

RENT NFTs with Zharta

Save More on Loans

Cut costs with the lowest gas fees in the NFT lending market and benefit from lower interest rates through our pro-rated early repayment model.

Your Loans, Your Terms

Take full control of your loan. Liquidation is off the table - no NFT price oracles, no surprises.  Improve your terms anytime with our borrower-triggered refinance feature.

The best User Experience

Enjoy the simplest, most intuitive NFT-backed lending interface, fully optimized for mobile.  Stay in control anytime, anywhere—right from your phone!
Borrow

Enjoy High Yield Returns with NFT-Backed Lending

Earn high yield returns by lending against NFTs, with the chance to claim your favorite NFTs in case of default.

Refinance Pro

Zharta is the only NFT-backed lending platform that allows you to natively sell your active loans to other lenders, consolidating single-sided liquidity and maximizing the flexibility of your portfolio.

Custom Open Offers

Want to lend against specific collections, individual NFTs, or even unique traits? Zharta is the only protocol that lets you place offers based on traits, offering unparalleled precision in your lending strategy.
Lend

Get an edge on you web3 games

Improve your scores by renting gaming resources at just a fraction of their market price.

Simple to Use

Choose the assets you want to rent, select the duration, and you’re ready to go. You can end your rental early and only pay for the time you used.

Rent multiple assets

Bundle multiple NFTs in one smooth transaction for added convenience and efficiency.
Rent

Why

BORROW crypto with Zharta

Save More on Loans

Cut costs with the lowest gas fees in the NFT lending market and benefit from lower interest rates through our pro-rated early repayment model.

Your Loans, Your Terms

Take full control of your loan. Liquidation is off the table - no NFT price oracles, no surprises.  Improve your terms anytime with our borrower-triggered refinance feature.

The best User Experience

Enjoy the simplest, most intuitive NFT-backed lending interface, fully optimized for mobile.  Stay in control anytime, anywhere—right from your phone!
Borrow

LEND crypto with Zharta

Enjoy High Yield Returns with NFT-Backed Lending

Earn high yield returns by lending against NFTs, with the chance to claim your favorite NFTs in case of default.

Refinance Pro

Zharta is the only nft-backed lending platform that allows you to sell  your active loans to other lenders, maximizing flexibility and liquidity in your portfolio.

Custom Open Offers

Want to lend against specific collections, individual NFTs, or even unique traits? Zharta is the only protocol that lets you place offers based on traits, offering unparalleled precision in your lending strategy.
Lend

RENT NFTs with Zharta

Get an edge on you web3 games

Improve your scores by renting gaming resources at just a fraction of their market price.

Simple to Use

Choose the assets you want to rent, select the duration, and you’re ready to go. You can end your rental early and only pay for the time you used.

Rent multiple assets

Bundle multiple NFTs in one smooth transaction for added convenience and efficiency.
Rent

Testimonials

@squiggleDAO
says
"Zharta has been more than just a lending platform for SquiggleDAO; they have proven to be true partners by facilitating a $1M loan, sponsoring our initiatives, and collaborating with us at events in Marfa and Miami."
@kodama_eth
says
"Passive income with in-game assets is every gamer’s dream come true. Zharta makes it possible - trustless & fully on-chain! It’s a service I can no longer imagine my degen life without."
@KeyrockTrading
says
"Zharta has an incredible combination of strong tech, good safety measures, and great people. We've partnered with them for years managing private vaults and can’t wait to see their platform’s continued success!"
@johnkarp
says
"Smooth, fast and very adaptive if needed. Got my liquidities in a trustworthy environnement and the team is awesome."
@CryptoFrostyz
says
"A team that understands web3 and the decentralization aspect. I already used the rental and lending protocol where everything went really smooth, goated team."
@guanaco_xyz
says
"As a lender, I prioritize trust, safety, and strong risk-adjusted returns. Zharta has consistently delivered on these values with excellence. And their V2 protocol is by far the most advanced solution in the market."
@0xWaldox0
says
“The market offers us many different tools in order to leverage our holdings, but most of them are risky and/or unclear. I already tried most of them, but found my safe heaven with one: Zharta Finance."
@Greekdx
says
“Zharta was my only experience with NFT lending just because it was super easy and smooth to get into. No need to make an offer and at some point get the funds after someone likes the deal you offered. Instant loans, backed by NFTs, are a cool way to get liquidity from otherwise illiquid assets."

Referrals

@0xWaldox0 says
“The market offers us many different tools in order to leverage our holdings, but most of them are risky and/or unclear. I already tried most of them, but found my safe heaven with one: Zharta Finance"
@0xWaldox0 says
“The market offers us many different tools in order to leverage our holdings, but most of them are risky and/or unclear. I already tried most of them, but found my safe heaven with one: Zharta Finance"
@0xWaldox0 says
“The market offers us many different tools in order to leverage our holdings, but most of them are risky and/or unclear. I already tried most of them, but found my safe heaven with one: Zharta Finance"
@0xWaldox0 says
“The market offers us many different tools in order to leverage our holdings, but most of them are risky and/or unclear. I already tried most of them, but found my safe heaven with one: Zharta Finance"

NFT loans

NFT Rentals

Get an edge with the ultimate NFT Finance tools.

Get exposed to NFT Lending

Leverage your NFTs to borrow crypto or unlock yields by lending against NFTs in the ultimate lending platform.

Launch app
Refinance Pro

Unmatched flexibility! Lenders can offload debt by selling their loans to other lenders and adjust the terms of their ongoing loans anytime, consolidating liquidity in a single market. Borrowers can refinance ongoing loans at any time by accepting a new loan offer.

Custom Offers

Place standing offers on collections, individual NFTs, and specific traits!

Mobile app

Never miss a deal or a deadline just because you're away from your computer. Our protocol is fully built for mobile.

Simple user interface

Enjoy the most intuitive and user-friendly experience in the NFT lending space.

Explore new possibilities with NFT Renting

Unlock earning potential and utility by renting NFTs or tap into new yield opportunities by renting out your idle assets

Launch app

Boost your gaming strategy

New yield opportunities

Boost your gaming strategy

Stay ahead in web3 games, unlocking utility and gains from assets you don’t own by renting for just a fraction of the asset’s price

New yield opportunities

Rent your idle assets out to other players for a fee.

NFT loans

NFT Rentals

Get an edge with the ultimate NFT Finance tools.

Get exposed to NFT Lending

Leverage your NFTs to borrow crypto or unlock yields by lending against NFTs in the ultimate lending platform

Launch app
Refinance Pro

Unmatched flexibility! Borrowers can trigger an ongoing loan refinance anytime by accepting a loan offer. On the other hand, lenders can also improve the conditions of an ongoing loan at any time. Lenders can also offload their debt by selling their loans other lenders.

Custom offers

Place standing offers on collections, individual NFTs, and specific traits!

Mobile app

Never miss a deal or a deadline just because you're away from your computer. Our protocol is fully built for mobile.

Simple user interface

Enjoy the most intuitive and user-friendly experience in the NFT lending space.

Explore new possibilities with NFT Renting

Unlock earning potential and utility by renting NFTs or tap into new yield opportunities by renting out your idle assets

Launch app
Boost your gaming strategy

Stay ahead in web3 games, unlocking utility and gains from assets you don’t own by renting for just a fraction of the asset’s price.

New yield opportunities

Rent your idle assets out to other players for a fee.

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