Zharta Overview
- What is Zharta?
Zharta is a lending protocol for instant NFT collateralized loans that uses AI appraisals and DeFi pools to fund NFTs and optimize liquidity. It provides a user-friendly environment where NFT owners can borrow Ether against their NFTs, with the option to bundle multiple assets for a single loan. The platform ensures that NFTs used as collateral are secured in a smart contract escrow, maintaining user ownership throughout the loan period.
- Main Features
- No auto-liquidationsRetain NFT utilityFixed APRRepay early, pay lessTailored conditions
- Blockchains
- Ethereum
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A platform in DeFi that creates a special kind of token called Financial Non-Fungible Tokens (FNFTs).
Frequently asked questions
Zharta ensures NFT retention during loans by implementing a borrower-friendly protocol. They do not auto-liquidate NFTs, so borrowers do not have to worry about losing their assets if they pay on time. Additionally, borrowers can still access the utility of their NFTs, such as claiming airdrops, accessing discord servers, and entering events, during the loan period.
No, the APR does not fluctuate based on utilization rates. Once a loan is taken, the APR will remain the same until the term ends.
The pro-rata system for early repayment means that borrowers only pay interest for the days until repayment, with a minimum of 7 days.
Yes, users can customize their loan conditions with Zharta's tiered approach. This allows borrowers to tailor their loan terms to fit their specific needs.
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