# Zharta Lending V2 Offer

We decided to open our protocol to allow the flexibility of Peer-to-Peer with Refinance Pro and mobile.

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**Borrowers only pay interest accrued during the actual duration of the loan** (Pro-Rata APR), regardless of the selected Loan Period.
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### Our most important features are:

**Borrowers:**

* Tailored offers - Find dozens of offers for your assets and choose the one that fits your needs! 
* Pro-Rata APR & Refinance Pro - At any point during your loan you can repay the loan or take new offers to improve conditions or extend the loan.
* Improve conditions - The conditions of your loan can be improved anytime!
* Mobile - Manage your loans anytime, anywhere! Our scalable UI will adapt to your phone, tablet, laptop, or desktop.
* Lowest gas fees - Our platform has the lowest gas fees in the market.

**Lenders:**

* Open offers - Make your open offers as broad or as specific as you want. Make an offer for a whole collection or specific traits, control your exposure by defining a maximum capacity, etc
* Refinance Pro - Make offers for ongoing loans. Both borrowers and lenders can accept them and transfer the loan to you.
* Sell the loan - Exit your position whenever you want.
* Mobile - Manage your loans anytime, anywhere! Our scalable UI will adapt to your phone, tablet, laptop, or desktop.
* Lowest gas fees - Our platform has the lowest gas fees in the market.