Directory/Zharta
Zharta

Zharta

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Category
  • DeFi Apps
  • Fintechs
  • Infrastructure Providers
Use Cases
  • Borrowing and Lending
Blockchains Supported
  • Avalanche
  • Ethereum
  • Plume
On/Off-Ramps
  • Yes
Platform
  • Web
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Zharta

Fixed-rate lending with full customization of loan terms. Onchain yield, built for institutions.

Zharta is an onchain credit order book for fixed-rate lending, designed to enhance capital efficiency for digital asset holders and institutions. The protocol allows borrowers and lenders to set their terms, with lenders as makers and borrowers as takers. It supports bespoke deals and credit facilities that offer borrowers instant liquidity.

Terms are clearly defined for duration, collateralization levels, pricing, and liquidation models (supporting both oracle and oracle-less liquidations). Borrowers benefit from predictable financing costs and improved balance sheet planning, while lenders gain exposure to structured, fixed-yield opportunities with onchain transparency and automated execution. Lenders can price the underlying risk at their discretion without relying on bond curves or other models. Zharta focuses on institutional-grade standards and composability across the DeFi ecosystem.

The Zharta architecture supports RWA-backed lending and securities-backed lending. Zharta has partnered with major tokenization platforms like Securitize, Centrifuge, and OpenEden. Dollar denominated stablecoins are central in Zharta’s credit markets as primary settlement and lending assets. By using a stable, dollar-based unit, Zharta allows fixed-rate agreements to reduce volatility risk and support long-term capital planning for institutional participants. For lenders, these stablecoins facilitate predictable cash flows and simplify treasury management, accounting, and reporting.

Zharta is a scalable, fixed-rate credit layer for onchain financial markets, aligning decentralized infrastructure with institutional expectations for stability, transparency, and capital efficiency.

Use Cases

Institutional Fixed-Rate Credit on Tokenized Securities

In a pilot with Kamui, Securitize, and Keyrock, Zharta was used to finance tokenized ACRED securities through a fixed-rate credit line. Kamui sourced terms with counterparties off-chain, then locked them in onchain via Zharta’s credit order book and managed the position through a single interface. With the facility live, Kamui executed looping strategies against the tokenized collateral while maintaining clear funding costs and a fully documented audit trail. This pilot illustrates how regulated institutions can turn tokenized securities into predictable, onchain leverage without changing their existing credit workflows.

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