How to get liquidity using your NFTs on Zharta.
Zharta is a peer-to-peer lending platform that lets you unlock real liquidity using your NFTs—without selling them. Unlike other platforms, Zharta is fully mobile-native, offers the lowest gas fees in the market, and gives you full control over your loan terms. It’s also multichain: you can borrow and lend using your NFTs on both Ethereum and ApeChain.
Why borrow or lend with Zharta?
- Mobile-Friendly: The only platform built for full mobile usability.
- Multichain: Available on both Ethereum and ApeChain.
- Flexibility: Refinance anytime. Repay early. Adjust terms.
- Loan Resale: Lenders can sell loans to new lenders or open market offers
- Lowest Gas Fees: Keep more of your gains.
Whether you're borrowing or lending, the platform is fast, flexible, and built to serve you. Here's how it works:
For borrowers: Getting a loan with your NFTs
Step 1: Access the App
Go to https://app.zharta.io/lending. You can use either desktop or mobile—Zharta is the only fully mobile-optimized NFT Finance platform in the market
Step 2: Navigate to the "Borrow" Tab
Click the "Borrow" tab to see which NFTs from your wallet are supported by our protocol for lending.
Step 3: Set Your Loan Terms
-Create your own listing: Choose your desired loan duration, interest rate (APR), currency, and principal amount. While these preferences are not binding, they give visibility to your asset on the Lend page and signal to lenders the kind of terms you're looking for—making it easier for them to place matching (or competitive) offers.
Pro Tip:
Borrowers benefit from Tailored Offers. You may receive multiple offers per NFT, giving you the power to choose the one that fits your strategy best.
Step 4: Accept an Offer
Once the offers start coming in, pick the one you like and accept it. Your NFT is moved to a secure vault. These vaults—also known as smart contract escrow—can only be accessed by the protocol’s smart contracts. This ensures that, during the loan period, no one has custody of your NFT, keeping it secure.
Zharta offers Refinance Pro and Pro-Rata Interest. That means you can repay the loan early and only pay interest for the days you used—or extend the loan anytime by accepting new offers.
Alternative Route: Browse Existing Offers
Don’t want to create a listing? On the Borrow page, you’ll immediately see if any of your NFTs already have offers available. Just click on a specific NFT to view its dedicated page and review all active offers submitted by lenders. You can accept any of them instantly.
For lenders: Make your capital work for you
Step 1: Explore Active Listings or Create Your Own Open Offers
- Browse the Listings tab to view loan requests already posted by borrowers. Click into one and place an offer directly.
- Open Offers: Or, go to the Collections tab and create offers proactively for specific NFTs or traits—before a borrower even asks.
You can make offers as broad or as specific as you want—entire collections, specific traits, or 1:1 targets.
Step 2: Monitor and Manage Your Positions
- Use your dashboard to easily track active loans, adjust your offers, or take over other loans by offering better terms.
- Want to exit early? Just sell your loan to another lender.
Lender Benefits:
- Full control over your lending strategy
- Ability to refine or transfer active loans
- Mobile access to manage everything on the go
- The lowest gas fees on the market
Zharta is here to give your assets purpose. Whether you're borrowing for a flip, a mint, or yield, or lending for returns—it's time to make your move.
🔒 Audited and secure: You can check the audit by Hacken here.
Start now at: https://app.zharta.io/lending