Best nft lending in 2026

NFT Lending evaluated across what can take your NFT away, what you get back when you default, what the protocol takes from the borrower, published, and incident record and whether it is still funded.

MetaStreet v2

#1 of 7 · published ranking

MetaStreet v2

80ChainChoice Score

Why it leads

Best in the pool on liquidation trigger and default recovery

Cost

Not priced · No comparable price is published

7 compared Ranking-blind · 392 modules checked 2026-09-18Evidence read 2026-08-06Scored under methodology v2026.09.15 (2026-09-16)26 receipts quoted

Filter nft lending7 in the published ranking

Filters change eligibility, not methodology. A requirement can rule a provider out; nothing here changes the order the published criteria produce.

Your setup

Your location

Pick a country to see which nft lending serve it. Nothing is hidden — any that does not is listed with that reason.

Cost

Published borrower cost

No requirement — nothing is ruled out on this.

Trust & control

Liquidation trigger

No requirement — nothing is ruled out on this.

Default recovery

No requirement — nothing is ruled out on this.

Operating record

No requirement — nothing is ruled out on this.

Whatever misses a requirement is listed under Excluded with the reason — nothing is hidden.

7 results

7nft lending · sorted by chainchoice score

ranked before any payout data is seen

#1 overallcomputed before any payout data is seenOverall

MetaStreet v2

Pooled NFT lending in which depositors choose the loan limit they are willing to lend at, with no price feed in the protocol.

Leads the pool on What you get back when you default

80ChainChoice Score · first of 7

Catalog strengths

What can take your NFT awayWhat you get back when you default

Why it leads

Best in the pool on liquidation trigger and default recovery
9 points ahead of GONDI V3.1: +13.0 pts default recovery, +3.7 pts liquidation trigger
Provider states broad availability

Evidence

4/4

criteria scored · 4 receipts quoted

Margin

+9

over GONDI V3.1, ranked #02

Rank stability

Firm

#1 holds when every published criterion is moved ±1

Tradeoff

−7

Operating status and incident record — behind this pool's best

Jurisdiction

Global

no restricted market on record

Score breakdowntick = pool best

Liquidation trigger10/10

Default recovery10/10

Published borrower cost4/10

Operating record1/10

Ranking-blind · a guided run tailors this to your size, custody & jurisdiction

#ProviderScoreEvidenceKey strengths

2−9

GONDI V3.1

What can take your NFT awayCost published before connecting

Same score, not joint · ordered by weighted total (41.00 against 40.80)

BendDAO

Cost published before connectingWhat you get back when you default

4−9

Zharta NFT Lending V2

What can take your NFT awayCost published before connecting

Same score, not joint · ordered by weighted total (37.40 against 37.20)

Blend (by Blur)

Operating status and incident recordWhat can take your NFT away

6−21

JPEG'd

What you get back when you defaultWhat can take your NFT away

Joint #6 · ordered by name, A to Z

NFTfi

What can take your NFT awayWhat you get back when you default

Ranking-blind — order computed before any payout data is joined

Below the table

How this ranking works

Everything the table draws on continues here: how firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and the full guide to choosing.

Direct answer

What is the best nft lending in 2026?

MetaStreet v2 ranks #1 overall for nft lending on ChainChoice. Pooled NFT lending in which depositors choose the loan limit they are willing to lend at, with no price feed in the protocol. It holds that rank under an affiliate-blind methodology scored across 4 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; full reasoning and the audit receipt are below.

Best picks

Best nft lending in 2026

Decide what happens when you default before you decide anything else, because that is where these venues differ most and where the money is. Only two of the seven auction the NFT and return the difference to the borrower — MetaStreet states the surplus is remitted to the borrower, and BendDAO that the excess will belong to the borrower. On the rest, defaulting hands over the whole asset regardless of what it was worth against the debt. Next, ask what can seize it at all: fixed-term peer-to-peer loans cannot be liquidated on a price move, while pool-based venues can, and the one venue here that liquidates on floor price states outright that its oracle algorithm is not transparent. Then read the venue risk — this category lost roughly nine-tenths of its capital in twelve months.

Best overall

MetaStreet v2

Pooled NFT lending in which depositors choose the loan limit they are willing to lend at, with no price feed in the protocol.

Data checked Sep 2026

Pooled NFT lending in which depositors choose the loan limit they are willing to lend at, with no price feed in the protocol. Strongest on what can take your nft away (10/10): MetaStreet's docs state 'Being an oracleless protocol, the Pool does not make assumptions or impose restrictions on the maximum or safe loan limits based on a collateral's current market value'; liquidation happens only 'When a loan matures without repayment'. No price move can seize the NFT. Weakest on operating status and incident record (1/10): MetaStreet is absent from DefiLlama's 8,361-protocol list ('Protocol not found') and its homepage counters read '0users' and '+$0m'; the site now leads with 'Yield from anything'. No measurable NFT-lending liquidity exists, though the docs and a wallet-gated borrow page still resolve. Published price: From MetaStreet's admin fees page, fetched 2026-09-24 (GitBook footer 'Last updated 2 years ago'): 'Admin fees are collected from loan repayments, as a fixed percentage of the total interest of the loan.' and 'Only successfully repaid loans contribute admin…

Best for: What can take your NFT away — 10/10

Why this score4 published criteria · leads 2 of 4

Published criterionWtScore, and the best hereGap/10Pts

What can take your NFT away7.2·109.6

What you get back when you default6.2·108.3

Cost published before connecting5.3−542.8

Operating status and incident record5.3−710.7

Σ methodology points21.4/32

Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted

Why it ranks first

Why MetaStreet v2 leads this category right now

Best for

What can take your NFT away — 10/10

Main tradeoff

MetaStreet has the best-documented liquidation design in this pool and the least evidence that anyone is using it. It is the only venue whose docs promise the surplus back to the borrower, and simultaneously the only one that no longer appears in DefiLlama's 7,995-protocol list - so its TVL, utilisation and originations cannot be independently verified on any neutral source, and its own borrow page rendered no pools on 2026-08-06. Note also that the pools are upgradeable and not yet governed: 'Proxied contracts are currently owned by the MetaStreet Labs multisig, but will ultimately be transferred to protocol governance.'

Verify before signup

From MetaStreet's admin fees page, fetched 2026-09-24 (GitBook footer 'Last updated 2 years ago'): 'Admin fees are collected from loan repayments, as a fixed percentage of the total interest of the loan.' and 'Only successfully repaid loans contribute admin fees.' and 'In the case of a defaulted loan, the admin fee is used to offset liquidation losses.' The governing sentence is: 'Admin fees are set to zero for the time being. They can be enabled and managed through a governance process in the future to accrue fees to the protocol.' Normalised on 2026-09-24: a 10 ETH loan held 30 days and repaid on time pays MetaStreet 0.0000 ETH in admin fees, because the published rate is currently zero. The interest itself is produced by the pool's deposited tick curve and no rate is published on any dated page; https://app.metastreet.xyz/borrow, fetched 2026-09-24, again rendered only navigation chrome and 'Create Wallet' / 'Connect Wallet' with no collection, APR or LTV.

Recommendation summary

What should decide this category

If you default, does the venue auction the NFT and return the surplus, or simply transfer it?

Can a price feed liquidate you mid-loan, and does the venue publish which oracle covers your collection?

Is the protocol fee published anywhere, and is the venue still funded enough to be there at maturity?

Quick picks

Strong options in this category

Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.

Best overall

MetaStreet v2

Pooled NFT lending in which depositors choose the loan limit they are willing to lend at, with no price feed in the protocol.

Best for: What can take your NFT away — 10/10

What can take your NFT away · 30%

10/10

What you get back when you default · 26%

10/10

Cost published before connecting · 22%

4/10

Operating status and incident record · 22%

1/10

Quick pick

GONDI V3.1

Peer-to-peer NFT loans in which multiple lenders can each fund a tranche of principal against one collateral item.

Peer-to-peer NFT loans in which multiple lenders can each fund a tranche of principal against one collateral item. Strongest on what can take your nft away (8/10): GONDI defines default by the due date alone - 'When a loan defaults (passes due date without repayment)', with 'No grace period' - and no oracle drives seizure. The docs never state the absence of price-based liquidation outright, which keeps it a step below the venues that do. Weakest on what you get back when you default (2/10): On a multi-tranche default GONDI runs a '72-hour English auction' whose surplus is 'distributed pro-rata based on outstanding debt amounts' among lenders; a single-tranche lender claims the NFT directly. Surplus reaches the borrower only on a voluntary Sell & Repay, not on default. Published price: From GONDI's protocol fee page, fetched 2026-09-24, which carries two dates on its face - 'Effective starting October 24th, 2025.' on the lender table and 'Updated on February 24th, 2026' at the foot: 'Borrowers pay no protocol fees on loan origination or…

Best for: What can take your NFT away — 8/10

What can take your NFT away · 30%

8/10

What you get back when you default · 26%

2/10

Cost published before connecting · 22%

7/10

Operating status and incident record · 22%

4/10

Quick pick

Same score, not joint · ordered by weighted total (41.00 against 40.80)

BendDAO

Pooled NFT lending against a protocol-run floor-price oracle, with a health factor and a public liquidation auction.

Pooled NFT lending against a protocol-run floor-price oracle, with a health factor and a public liquidation auction. Strongest on cost published before connecting (9/10): BendDAO's dated interest page ('2023-08-01 For BIP#39') publishes a full borrow-rate schedule, 15.25% at 1% utilisation up to 231% at 100%, and the auction page prices the redeem fine at 'a maximum(5% of the debt, 0.2 ETH)'. Live utilisation, which picks the row, is on no dated page. Weakest on what can take your nft away (1/10): BendDAO liquidates when 'the NFT loan's health factor is below 1', driven by a house floor-price oracle whose page states 'The algorithm details are not transparent to protect our users and ensure the highest level of security' - the input that seizes the NFT is unpublished by design. Published price: From BendDAO's interest rate model page (heading '2023-08-01 For BIP#39'), fetched 2026-09-24 from the docs repository (github.com/BendDAO/bend-gitbook-portal, whose last commit is dated 2024-01-02): model parameters 'UtilizationRate 65% | BaseRate 15% |…

Best for: Cost published before connecting — 9/10

What can take your NFT away · 30%

1/10

What you get back when you default · 26%

8/10

Cost published before connecting · 22%

9/10

Operating status and incident record · 22%

4/10

Quick pick

Zharta NFT Lending V2

Fixed-term NFT loans on lender-set offers, now secondary to the company's institutional RWA credit product.

Fixed-term NFT loans on lender-set offers, now secondary to the company's institutional RWA credit product. Strongest on what can take your nft away (9/10): Zharta's V2 FAQ states 'Our loans offer full protection from liquidation during the term of the loan. Your loan will only default if you fail to pay on time.' Default is defined by the maturity date alone; the Chainlink-oracle text belongs to the separate, excluded Lending PRO product. Weakest on what you get back when you default (1/10): On a Zharta V2 default 'the lender can claim the collateral. The collateral is then transferred from the contract to the lender and no funds are transferred in this process.' There is no auction and no surplus for the borrower; the grace period and Buy Now phase exist only under the legacy V1. Published price: From the FAQ of Zharta's NFT Lending V2 section (zharta.gitbook.io/zharta-welcome-kit/llms-full.txt), fetched 2026-09-24: 'Does Zharta charge Borrowers a fixed fee?' - 'No.' Interest is charged pro-rata: 'Interest is charged pro-rata – it accrues on a per-day…

Best for: What can take your NFT away — 9/10

What can take your NFT away · 30%

9/10

What you get back when you default · 26%

1/10

Cost published before connecting · 22%

3/10

Operating status and incident record · 22%

1/10

Frequently asked

Questions people ask before choosing nft loans

If my NFT is worth far more than my loan and I default, do I get the difference back?

On most of these venues, no. Only MetaStreet and BendDAO document an auction that returns the excess — MetaStreet states the surplus is remitted to the borrower, and BendDAO that the excess will belong to the borrower. On NFTfi, Blend, Gondi and Zharta in the ordinary case, a default transfers the collateral to the lender and the loan closes, whatever the asset was worth. That single difference can exceed every fee in this comparison combined, which is why it carries the second-heaviest weight in the ranking.

Can I be liquidated because the floor price dropped for a day?

Only on venues that price collateral continuously. Fixed-term peer-to-peer loans have no price trigger at all — the loan runs to its term and defaults only if you do not repay. Pool-based venues do liquidate on price, and BendDAO is the clearest case: its health factor is floor price times liquidation threshold over debt with interest, while its own oracle page states that the algorithm details are not transparent, which it says is to protect its mechanism. If an illiquid week is your realistic worst case, that trigger is the thing to avoid rather than the rate.

Why are protocols I have heard of missing from this comparison?

Because they are no longer reachable, and we would rather say so than rank them. Arcade serves only a placeholder page with its app and docs subdomains failing DNS resolution, and its own repository states that version four was never deployed to mainnet. Astaria returns a 404 with its app subdomain unresolvable. ParaSpace has been reclassified out of NFT lending entirely. Zharta files its NFT lending product under legacy in its own documentation. None of them has published a shutdown date, so none is stated here — what is stated is exactly what was reachable on the day this was checked.

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How this ranking is built

Reviewed on what can take your NFT away, what you get back when you default, what the protocol takes from the borrower, and its incident record and funding.

Data checked Sep 2026 · Independent rankings · We show our work

Not financial advice · For informational purposes only · Always do your own research