
Zharta
Zharta is a fixed-rate lending and structured credit protocol for tokenized assets on Ethereum.

What is Zharta?
Zharta is a fixed-rate lending and structured credit protocol that enables users to leverage tokenized assets through fixed-rate loans for predictable funding costs and stable returns. The protocol supports looping and leverage strategies, custom credit terms, and institutional-grade credit with on-chain efficiency and KYC compatibility. For lenders, Zharta offers structured credit with adjusted pricing, callable loans, opt-in liquidations, and secondary resales to optimize portfolios. The platform also provides programmable lending operations through APIs and white-label integrations. Zharta has facilitated over $12M in total loans and $20M in total collateralized assets.
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App store listings are independently reviewed and written by Alchemy using a combination of inbound submissions, editorial research, public project sources, and third-party directories, including ecosystem data from The Grid under the Open Database License, DefiLlama, DappRadar, Reown, and chain ecosystem pages.

