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Zona

Total Value Locked$33,394

TVL by Chain

Robinhood Chain$32,263

Pharos$1,131

Key Metrics

Fees 30d$0
Fees 30d by chain

Pharos$0

Fees 7d$0

Pharos$0

Fees 24h$0

Pharos$0

Cumulative Fees$0.90

Pharos$0.90

Revenue 30d$0
Revenue 30d by chain

Pharos$0

Revenue 7d$0

Pharos$0

Revenue 24h$0

Pharos$0

Cumulative Revenue$0.13

Pharos$0.13

Collateral Liquidated 30d$0
Collateral Liquidated 30d by chain

Pharos$0

Collateral Liquidated 7d$0

Pharos$0

Collateral Liquidated 24h$0

Pharos$0

Cumulative Collateral Liquidated$0

Pharos$0

Active Loans$4,973

Total Raised$500,000

Jan 25, 2026$500,000Round: Pre-SeedInvestors: Animoca Brands, Echo, plums, Yei Finance, SuiLend, Polygon, Columbia University

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Protocol Information

Zona is an RWA-focused lending platform that unlocks onchain utility and capital efficiency for RWAs. Zona's looping feature will allow investors to leverage up on RWAs and amplify yields with a single click

WebsiteX/Twitter
Category:Lending

Audits:

Methodology

TVL: Counts the tokens locked in the contracts to be used as collateral to borrow or to earn yield. Borrowed coins are not counted towards the TVL, so only the coins actually locked in the contracts are counted. There's multiple reasons behind this but one of the main ones is to avoid inflating the TVL through cycled lending.View code on GitHubFees: Interest paid by borrowersView code on GitHubRevenue: Percentage of interest going to treasuryView code on GitHubCollateral Liquidated: Total USD value of collateral seized in LiquidationCall events.View code on GitHub

Competitors

Morpho Blue ($11.244b)TermMax ($26.83m)Native Credit Pool ($18.81m)Longbow ($3.05m)LayerBank ($2.66m)Avalon Finance ($1.3m)Kaskad ($732,546)Flock Credit ($202,687)Ripe Protocol ($157,669)Spine Finance ($32,274)

Frequently asked questions

What is Zona's TVL?

Zona currently has $33,394 in total value locked. TVL has decreased 1.5% over the past 30 days.

What chains does Zona operate on?

Zona operates on 2 chains: Robinhood Chain and Pharos. Robinhood Chain holds the largest share at 96.6%.

How much has Zona generated in fees and revenue?

Over the past 30 days, Zona generated $0 in fees. Of that, $0 was protocol revenue. Based on the trailing year, the annualized rate is $2.13 in fees and $0.37 in revenue.

How does Zona's TVL compare to similar protocols?

Among Lending protocols tracked by DefiLlama, Zona ranks #264 by TVL. The category holds $52.762b across 516 protocols, and Zona accounts for <0.1% of that total. Other leading protocols include Morpho Blue, TermMax, Native Credit Pool, Longbow, LayerBank, Avalon Finance, Kaskad, Flock Credit, Ripe Protocol, and Spine Finance.

How much has been borrowed through Zona?

Zona currently has $4,973 in active loans.