Zharta

Zharta is building the next generation of credit infrastructure for the tokenized economy. Founded in 2022, we started with a simple mission: to unlock liquidity onchain. Today, our focus is on the institutional market: delivering programmable, modular, and compliance-ready credit rails that bridge traditional finance and DeFi. Our flagship innovation, the Fixed-Rate Lending Protocol, is designed to meet institutional standards while leveraging DeFi composability. Built API-first, it enables programmable credit flows, advanced refinancing, and secondary markets: turning tokenized assets into truly usable capital. What sets us apart: -Institutional-grade design: fixed-rate, risk-managed, and compliance-ready by default. -Programmable credit: loans as composable building blocks -Oracleless lending + soft liquidation triggers to reduce systemic risk. -API-first architecture for automated, agentic workflows. -Liquidity optionality through refinancing and secondary markets. At Zharta, we believe the future of credit infrastructure will be built onchain. Our role is to provide the foundation that enables institutions to scale tokenized assets into real, usable capital.