Total Value Locked$53,683
TVL by Chain
Ethereum$53,683
The chart plots Active Loans as its own series; it is not part of the TVL above.
Key Metrics
Active Loans$102,108
Protocol Information
Zharta Finance curates a USDC institutional credit vault on Ethereum.
Methodology
TVL: TVL counts the collateral (ACRED) and any USDC held by the Zharta P2P RWA lending markets and their per-borrower collateral vaults. Borrowed counts the outstanding USDC principal of active loans, rebuilt from the markets' loan events and checked against on-chain loan state. Lent USDC goes directly from lender to borrower, so it is only counted as borrowed.View code on GitHubCompetitors
Zharta Finance history
TVL is the default DefiLlama definition, which excludes Active Loans. Daily values are UTC snapshots from Sep 24, 2026 to Nov 9, 2026.
All-time high TVL: $413,033 on Sep 29, 2026. All-time low TVL: $53,483 on Oct 30, 2026.
Daily TVL, Oct 11, 2026 to Nov 9, 2026
| Date | TVL |
|---|---|
| Oct 11, 2026 | $411,769 |
| Oct 12, 2026 | $411,748 |
| Oct 13, 2026 | $411,807 |
| Oct 14, 2026 | $411,935 |
| Oct 15, 2026 | $411,405 |
| Oct 16, 2026 | $410,919 |
| Oct 17, 2026 | $411,258 |
| Oct 18, 2026 | $411,248 |
| Oct 19, 2026 | $411,263 |
| Oct 20, 2026 | $411,552 |
| Oct 21, 2026 | $411,218 |
| Oct 22, 2026 | $307,904 |
| Oct 23, 2026 | $308,154 |
| Oct 24, 2026 | $307,852 |
| Oct 25, 2026 | $307,827 |
| Oct 26, 2026 | $307,847 |
| Oct 27, 2026 | $307,748 |
| Oct 28, 2026 | $307,811 |
| Oct 29, 2026 | $308,504 |
| Oct 30, 2026 | $53,483 |
| Oct 31, 2026 | $53,534 |
| Nov 1, 2026 | $53,547 |
| Nov 2, 2026 | $53,531 |
| Nov 3, 2026 | $53,526 |
| Nov 4, 2026 | $53,582 |
| Nov 5, 2026 | $53,603 |
| Nov 6, 2026 | $53,676 |
| Nov 7, 2026 | $53,690 |
| Nov 8, 2026 | $53,680 |
| Nov 9, 2026 | $53,671 |
TVL at each month end, Sep 2026 to Nov 2026
| Date | TVL |
|---|---|
| Sep 30, 2026 | $412,336 |
| Oct 31, 2026 | $53,534 |
| Nov 9, 2026 (latest) | $53,671 |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/zharta-finance
Frequently asked questions
What is Zharta Finance's TVL?
As of Nov 9, 2026, Zharta Finance has $53,683 in total value locked. TVL has decreased 87% over the past 30 days.
What chains does Zharta Finance operate on?
Zharta Finance operates on Ethereum. Ethereum holds the largest share at 100%.
How does Zharta Finance's TVL compare to similar protocols?
Among Risk Curators protocols tracked by DefiLlama, Zharta Finance ranks #73 by TVL. The category holds $9.887b across 99 protocols, and Zharta Finance accounts for <0.1% of that total. Similar protocols include Steakhouse Financial, Sentora Curator, Gauntlet, Nonce Capital, RockawayX, Hyperithm, K3 Capital, KPK, Clearstar, and Galaxy Curation.
How much has been borrowed through Zharta Finance?
As of Nov 9, 2026, Zharta Finance has $102,108 in active loans.