Making a Deposit

Zharta provides an open Lending Pool (LP) of ETH where anyone can deposit ETH and earn loan interest. This LP is used to provide liquidity for the loans originated at Zharta. We aim to increase the number of pools in the future, each with different characteristics (ex: currency).

Deposit funds

Deposits and withdrawals can be made through the Lending Pools page and the Lending Pool Details page. The latter provides statistical information regarding that LP.
For any deposit, there is a 7-day lock period during which the lender may not withdraw that amount. During an ongoing lock period, if the lender deposits more funds, the lock period won't be extended.
Lend screen
The steps to deposit are:
  1. 1.
    Select Deposit
  2. 2.
    Select the amount of ETH to deposit
  3. 3.
    Accept the conditions
  4. 4.
    Deposit the selected ETH amount
Deposit modal

Pool Details

By clicking on the pool the lenders can access a more detailed view of the pool. Here users can view the most important KPI's as well as the NFT's being used as collaterals.
Pool details screen

Withdraw funds

Withdrawals are subject to the LP’s utilization and available liquidity. During periods of high demand for loans, the LP utilization will go up, which will decrease the available liquidity for withdrawals. During such periods, loan interest will also increase and provide higher returns for lenders. Zharta will always work towards maintaining a healthy liquidity reserve that facilitates withdrawals and keeps up with loan demand. Check Pool Management for additional information.
The steps to withdraw are:
  1. 1.
    Select the amount of ETH to withdraw
  2. 2.
    Follow the withdrawal modal flow
Withdrawal modal