Zharta

**Real-world assets (RWAs) are creating structural alpha for institutional investors** through three key mechanisms: - **Reducing operational friction** in traditional finance processes - **Unlocking access to new asset classes** like digitalized private credit - **Mitigating risk through on-chain transparency** The transformation mirrors how **SWIFT revolutionized banking** through efficiency and standardization. Now blockchain technology applies the same principles to institutional finance. **Zharta is building infrastructure** where institutional-grade systems and real-world assets converge on-chain, focusing on the standards institutions demand for widespread adoption.

DeFi lending is undergoing a fundamental shift in approach. Instead of focusing on user identity, protocols are moving towards wallet-based verification through: - **Proof of Solvency**: Demonstrating financial capacity - **Proof of Behavior**: Showing transaction history and patterns - **Proof of Recourse**: Establishing clear recovery mechanisms This transition marks a significant evolution where reputation becomes earned through verifiable on-chain actions rather than traditional credit systems. Recent developments like Supercollateral showcase how borrowing can be restructured so network value generation handles loan repayment.

The development of onchain credit infrastructure continues to progress steadily. Key primitives taking shape include: - Real-time collateral valuation systems - Atomic enforcement mechanisms - Interoperable identity frameworks - Composable capital market structures While still early, these foundational elements are creating the infrastructure for programmable credit markets. The focus remains on building durable liquidity primitives and trusted infrastructure that enables capital mobility without compromising security.

Zharta has launched its V2 NFT lending protocol with several key features: - **Peer-to-Peer Lending**: Users can now set custom loan conditions - **Refinance Tools**: Lenders can sell loans, borrowers can improve terms - **Mobile Access**: New app for on-the-go lending management - **Custom Offers**: Target specific NFT traits for precise lending - **Gas Efficiency**: Up to 50% savings on transaction fees The protocol maintains pro-rata interest and no auto-liquidations. Multi-chain expansion is planned, and a token launch with rewards for early adopters is upcoming. *Visit app.zharta.io/lending to get started*