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Zharta has raised $4.0M across 1 funding round.
Key people at Zharta.
Zharta has raised $4.0M in total across 1 funding round.
Zharta develops an on-chain credit protocol designed for fixed-rate lending, enabling the efficient use of tokenized assets. Its platform allows borrowers to leverage their digital assets through predictable, stable loans, while providing lenders with structured credit opportunities and adjustable pricing. The technology integrates smart contracts and KYC compliance to deliver institutional-grade financial services with the speed and composability characteristic of decentralized finance.
The company was co-founded in 2021 by Diogo Pires and Pedro Granate. Their initial insight stemmed from recognizing a need for robust, predictable financial infrastructure within the nascent tokenized economy, particularly concerning liquidity for digital assets. The founders aimed to bridge traditional financial reliability with the innovative capabilities of blockchain technology.
Zharta serves both digital asset holders seeking to optimize their capital and institutional investors looking for diversified yield strategies in the tokenized space. The company's vision is to establish a compliant, programmable credit layer that supports the long-term growth and maturation of digital asset markets, providing stability and sophisticated financial tools for a new era of asset management.
Zharta has raised $4.0M across 1 funding round. Most recently, it raised $4.0M Seed in July 2022.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Jul 1, 2022 | $4M Seed | — | BackBone Ventures, Creandum, Possible Ventures, Gloria Baeuerlein, Kelly Ford, Maximilian Tayenthal | Announced |
Key people at Zharta.
Zharta has raised $4.0M in total across 1 funding round.
Zharta's investors include BackBone Ventures, Creandum, Possible Ventures, Gloria Baeuerlein, Kelly Ford, Maximilian Tayenthal.
Zharta is a blockchain-based NFT finance platform that provides peer-to-peer lending, renting, and borrowing protocols secured by NFTs and other digital assets.[1][2][3] It builds advanced DeFi tools like instant NFT-collateralized loans using AI appraisals, customizable on-chain offers, smart escrow for productive collateral, and automation for yield optimization, serving NFT collectors, investors, and sophisticated capital providers seeking liquidity without selling assets.[1][3] The platform solves illiquidity in NFT markets by enabling users to borrow against diverse collateral (including RWAs and securities), refinance loans seamlessly, and deploy idle capital efficiently, with a focus on security, transparency, and borrower-friendly terms.[1][2]
Headquartered in Lisbon, Portugal, and founded in 2021, Zharta has raised under $5 million in funding and maintains a small team of fewer than 25 employees.[4]
Zharta was founded in 2021 as a blockchain protocol provider in Lisbon, Portugal, targeting the growing DeFi and NFT sectors.[4] While specific founders are not detailed in available sources, the company emerged during the 2021 NFT boom, addressing the need for liquidity in a market where high-value digital assets were often illiquid.[2][3] Early traction likely stemmed from its borrower-friendly instant NFT loans and integration of AI for appraisals with DeFi pools, positioning it as a specialized player in peer-to-pool lending.[2][3] Pivotal moments include developing features like on-chain smart escrow and automation, which differentiated it from basic lending protocols amid rising demand for NFT-backed finance.[1]
Zharta stands out in the NFT lending space through these key features:
These elements create a sophisticated, institutional-grade platform emphasizing speed, flexibility, and efficiency over rigid competitors.[1][3]
Zharta rides the convergence of DeFi, NFTs, and real-world assets (RWAs), capitalizing on trends like tokenization and on-chain finance that bridge digital collectibles with traditional liquidity.[1][3] Timing aligns with post-2021 NFT market maturation, where owners seek non-custodial borrowing amid volatile prices and regulatory clarity on digital assets.[2] Market forces favoring Zharta include rising institutional interest in blockchain credit, demand for productive collateral in high-interest environments, and multichain expansion enabling broader adoption.[1][3] By open-sourcing its protocol and integrating with ecosystems like Alchemy's tools, Zharta influences the NFT DeFi space, competing with protocols like Solvent and Taker while enhancing overall liquidity for collectors and investors.[3]
Zharta is poised to expand as NFT and RWA markets grow, potentially scaling through multichain support, deeper AI integrations for risk assessment, and partnerships with yield aggregators.[1][3] Trends like tokenized real estate and securities as collateral will amplify its utility, while regulatory tailwinds for DeFi could boost mainstream adoption.[1] Its influence may evolve from niche NFT lender to a core infrastructure for dynamic on-chain credit, empowering users to unlock value from idle assets in an increasingly composable blockchain economy—turning Zharta's advanced protocols into a cornerstone of sophisticated capital deployment.[1][2]
