Fixed rate lending

On-chain yield, built for institutions

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Turn Uniswap LPs into Liquidity

Turn Uniswap LPs into Liquidity

Zharta now supports Uniswap positions for borrowing

Launch App
$12M+
Total Loans
$20M+
Total Collaterized Assets
5K+
Total # of Loans and Rentals
$1M
Biggest Loan

Trusted By:

Audited by

Why

BORROW crypto with Zharta

LEND crypto with Zharta

Loop and Leverage with Fixed-Rate Stability

Leverage tokenized assets through fixed-rate loans for predictable funding costs and stable returns. Build compounding looping strategies with no rate surprises.

Custom Terms Built just for You

Access multiple tailored credit offers aligned with your strategy and asset coverage. Service and refinance easily to optimize leverage while maintaining full non-custodial control.

Institutional Credit, DeFi Speed

Unlock bespoke financing or draw from credit lines with on-chain efficiency. Powered by smart contracts and KYC compatibility, Zharta merges institutional compliance with DeFi composability.
Borrow

Structured Credit, Adjusted Pricing

Build diversified lending strategies by creating multiple offers, each priced to match its risk–reward profile and capture yield premiums.

Flexibility Without Losing Optionality

Deal execution doesn’t mean static exposure. Stay agile across markets. Use callable loans, opt-in liquidations, or secondary resales to keep portfolios optimized and control risk in any market.

Programmable. Compliant. Precise

Automate lending operations with programmable parameters and data-driven precision. Manage offer creation, refinancing, and servicing through seamless APIs or white-label integrations.
Lend

Why

BORROW crypto with Zharta

Loop and Leverage with Fixed-Rate Stability

Leverage tokenized assets through fixed-rate loans for predictable funding costs and stable returns. Build compounding looping strategies with no rate surprises.

Custom Terms Built just for You

Access multiple tailored credit offers aligned with your strategy and asset coverage. Service and refinance easily to optimize leverage while maintaining full non-custodial control.

Institutional Credit. DeFi Speed

Unlock bespoke financing or draw from credit lines with on-chain efficiency. Powered by smart contracts and KYC compatibility, Zharta merges institutional compliance with DeFi composability.
Borrow

LEND crypto with Zharta

Structured Credit, Adjusted Pricing

Build diversified lending strategies by creating multiple offers, each priced to match its risk–reward profile and capture yield premiums.

Flexibility Without Losing Optionality

Deal execution doesn’t mean static exposure. Stay agile across markets. Use callable loans, opt-in liquidations, or secondary resales to keep portfolios optimized and control risk in any market.

Programmable. Compliant. Precise.

Automate lending operations with programmable parameters and data-driven precision. Manage offer creation, refinancing, and servicing through seamless APIs or white-label integrations.
Lend

Testimonials

@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."
@dripcapital_xyz
says
“Zharta is bridging DeFi-native innovation with institutional-grade credit features, unlocking a new category of yield for sophisticated investors. We’ve worked with their exceptional team across multiple loans and are excited for their bright future ahead.”
@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 in Miami."
@stefwynendaele
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."

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"

Predictable

Flexible

Compliant

Bridging traditional finance standards with on-chain innovation

Precision in Every Deal

Structure predictable, fixed-rate loans tailored to your strategy, keeping your capital working efficiently.

Launch app
Highly Customizable Offers

Tailor credit, your way
‍
Negotiate rates, maturity, and collateral directly on-chain. Build bespoke lending structures that match your strategy and risk appetite, with full transparency and auditability.

Diverse Collateral Support

Diverse assets, unified liquidity

Use RWAs, Securities or other digital assets as collateral within the same protocol. Keep assets productive while borrowing or lending against them, bridging digital and real-world liquidity.

Refinance Pro

Flexible. Liquid. Institutional

Transfer or resell loans anytime without disrupting capital flow. Rebalance portfolios, adjust rates, or consolidate positions in a single on-chain market. Zharta makes credit portfolios dynamic, without intermediaries or friction.

On-chain Smart Escrow

Collateral with utility

Unlike traditional escrow, Zharta keeps collateral productive. Stake, lend, or earn yield while assets remain locked, turning immobilized value into active capital.

Automation

Capital that works when you don’t

Idle liquidity is automatically deployed into the best available offers. Zharta integrates yield aggregation and auto-refinance logic, so your capital is always in motion, maximizing efficiency.

Customizable Offers

Highly Customizable Offers

Tailor credit, your way
‍
Negotiate rates, maturity, and collateral directly on-chain. Build bespoke lending structures that match your strategy and risk appetite, with full transparency and auditability.

Diverse Collateral

Diverse Collateral Support

Diverse assets, unified liquidity

Use RWAs, Securities or other digital assets as collateral within the same protocol. Keep assets productive while borrowing or lending against them, bridging digital and real-world liquidity.

Refinance Pro

Refinance Pro

Flexible. Liquid. Institutional

Transfer or resell loans anytime without disrupting capital flow. Rebalance portfolios, adjust rates, or consolidate positions in a single on-chain market. Zharta makes credit portfolios dynamic, without intermediaries or friction.

Smart Escrow

On-chain Smart Escrow

Collateral with utility

Unlike traditional escrow, Zharta keeps collateral productive. Stake, lend, or earn yield while assets remain locked, turning immobilized value into active capital.

Automation

Automation

Capital that works when you don’t

Idle liquidity is automatically deployed into the best available offers. Zharta integrates yield aggregation and auto-refinance logic, so your capital is always in motion, maximizing efficiency.

Built for Sophisticated Capital

Precision in Every Position

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