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
4199
Why it leads
Best in the pool on liquidation trigger and default recovery
Cost
Not priced· No comparable price is published
No provider can pay for a position in this table. The code that computes this order cannot read which links earn us a commission, and every build proves it. Every score below rebuilds from the published criteria.Ranking 2026.08 · 4 criteria · 7 products · same inputs, same order
Personal comparison
NFT Lending ranked comparison
No comparable price is published; ranking still uses verified product evidence.
RankProviderBest fitScore
1
MetaStreet v2MetaStreet v2Pooled NFT lending in which depositors...Top ranked
What can take your NFT away — 10/10Trade-off: MetaStreet has the best-documented liquidation design in this pool and the least evid...
Ranked on 4 published criteria weighted 30/26/22/22, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18, ease of use 10, institutional trust 8. Profile match is shown in breakdowns but carries no weight.
Audit
Infrastructure
Methodology
2026.09.15
published 2026-09-16
Providers tracked
980+
across 119 categories
Last verified
2026-09-24
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
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.
What matters most before choosing in this category
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.
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?
Current editor lead
Expert review and scoring weights
MetaStreet v2
MetaStreet v2Data 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.
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 forWhat can take your NFT away — 10/10
Main tradeoffMetaStreet 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 signupFrom 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.
Methodology
How this category is reviewed
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.
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
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.
Not financial advice · For informational purposes only · Always do your own research
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