What is NFT Lending

NFT Lending is a decentralized P2P protocol on the TON blockchain that lets you borrow GRAM using NFT as collateral.

Two Sides

  • Borrowers get GRAM without selling their NFTs. Repay on time and the NFT returns. Miss the deadline and the lender claims the collateral.
  • Lenders deposit GRAM and earn interest income. You set the terms, and the protocol issues loans automatically.

How It Works

For Borrowers

  1. Connect your wallet
  2. Find an offer for your NFT collection
  3. Choose the amount, rate, and duration
  4. Send your NFT — receive GRAM in your wallet
  5. Return GRAM + interest before the deadline — NFT comes back

For Lenders

  1. Connect your wallet
  2. Set up a strategy: collections, amount, rate, duration
  3. Fund your protocol wallet with GRAM
  4. Wait — loans are issued automatically
  5. Earn 90% of interest on every loan

Key Principles
Everything on-chain Deal logic runs on the blockchain. Neither the service nor the operator can take your funds
Every loan is isolated A separate vault is created for each loan, holding the NFT inside
Fixed terms The repayment amount is known upfront and doesn't change
P2P No shared pools — each lender manages their own funds

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