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NFT LendingDeFiEthereum
NFTfi: NFT-Collateralized Lending
+110 XP · 9 min read · Updated March 2026
Volume
$1.2B+ lent
APR
Negotiable
Collateral
Top NFTs
Duration
1–90 days
Token
$NFTfi
Rating
⭐ 4.5
What is NFTfi?
NFTfi is the leading peer-to-peer NFT lending protocol, allowing NFT holders to borrow ETH or USDC by using their NFTs as collateral. Instead of selling your blue-chip NFT, you lock it in a smart contract and receive liquidity. Lenders propose loan terms and earn interest.
How to Use NFTfi
1
Borrowing
List your NFT as collateral. Lenders browse and make loan offers specifying principal, interest rate, and duration. Accept the best offer — your NFT is locked until repayment.
2
Lending
Browse NFTs listed as collateral. Make loan offers to earn interest (typically 20-100% APR on 30-day loans). If the borrower defaults, you keep the NFT.
3
Repay or Default
Borrowers repay principal + interest before expiry to reclaim their NFT. If they default, the lender receives the NFT as compensation.
4
SuperPro Loans
NFTfi's new Dutch-auction lending pools offer instant liquidity against floor price NFTs without needing to find a specific lender.
Risks to Consider
- NFT price volatility — collateral may depreciate
- Default risk for lenders
- Smart contract risk
- Illiquid exit if lender can't sell the NFT collateral
- Counterparty negotiation can be slow
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