Zharta

Zharta provides a decentralized lending protocol that enables institutions and sophisticated investors to access fixed-rate loans using tokenized assets, including NFTs and Real World Assets (RWAs), as collateral. The platform facilitates programmable credit lines, automated refinancing, and structured lending strategies through smart contracts while maintaining KYC compatibility. Users can manage private vaults, build compounding looping strategies, and trade loan positions on a secondary market without losing non-custodial control.