Zharta

Zharta builds institutional-grade credit infrastructure for the tokenized economy. Our flagship innovation, the Fixed-Rate Lending Protocol, meets institutional standards while leveraging DeFi composability and programmability. With an API-first architecture, Zharta powers onchain credit flows, refinancing, and secondary lending markets, turning tokenized assets into real, usable capital. Built for institutions- Fixed-rate by design, prioritizing optionality and risk management - Compliance-ready for regulated adoption - Segregated deals to reduce systemic risk - Oracleless or oracle-based lending for flexible integrations - Programmable credit: loans as composable DeFi building blocks - Enhanced liquidity through refinancing and secondary markets - API-first infrastructure enabling automation and future agentic systems Founded in 2022, Zharta began with a simple mission: to unlock onchain liquidity. We remain committed to that vision, because we deeply believe the future of credit will be built onchain