Lending & Yield Companies

YieldClub is a mobile app that routes user deposits into DeFi lending protocols to generate 5–12% APY on stablecoins, with earnings compounding every 16 seconds and no lockup periods. The app uses Privy for self-custodial wallet management, meaning YieldClub never takes direct custody of funds. A flagship 'Autopilot' feature automatically converts accrued stablecoin yield into Bitcoin at regular intervals, allowing users to accumulate BTC without touching their principal. Onramps include ACH bank transfer, debit card, and USDC/Coinbase transfers, and the app also supports spot trading of BTC, ETH, and XRP. The project raised a $2.5M pre-seed round in June 2025.

Zharta is an on-chain lending protocol that provides fixed-rate loans secured by NFT and tokenized real-world asset collateral. The protocol incorporates Chainlink oracle integrations for collateral valuation. It supports NFT renting functionality alongside standard borrowing mechanisms. A separate institutional product, Lending Pro, offers structured credit services. The protocol serves institutional capital allocators, decentralized autonomous organizations, and NFT holders requiring liquidity without asset liquidation. Participants include market makers, investment funds, and Web3-native organizations.