What is NFT Lending
NFT Lending is a decentralized P2P protocol on the TON blockchain that lets you borrow TON using NFT as collateral.
Two Sides
- Borrowers get TON without selling their NFTs. Repay on time and the NFT returns. Miss the deadline and the lender claims the collateral.
- Lenders deposit TON and earn interest income. You set the terms, and the protocol issues loans automatically.
How It Works
For Borrowers
- Connect your wallet
- Find an offer for your NFT collection
- Choose the amount, rate, and duration
- Send your NFT — receive TON in your wallet
- Return TON + interest before the deadline — NFT comes back
For Lenders
- Connect your wallet
- Set up a strategy: collections, amount, rate, duration
- Fund your protocol wallet with TON
- Wait — loans are issued automatically
- 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 |