Zharta.io is an innovative startup operating in the burgeoning NFT (Non-Fungible Token) and cryptocurrency market. The company offers a unique financial service that allows users to obtain instant loans using their NFTs as collateral. This service is designed to cater to both borrowers and lenders, providing a seamless and secure platform for NFT-backed lending.

Zharta's primary clients are NFT holders who need liquidity but do not wish to sell their digital assets. By using their NFTs as collateral, these clients can borrow Ether (ETH) or USD Coin (USDC) instantly. The platform is user-friendly and accessible to individuals regardless of their experience level with NFTs or blockchain technology. Zharta also supports the bundling of multiple NFTs into a single loan, offering flexibility to its users.

The company operates in the decentralized finance (DeFi) sector, a rapidly growing market that leverages blockchain technology to offer financial services without traditional intermediaries like banks. Zharta's business model revolves around facilitating NFT-backed loans through smart contracts. Smart contracts are self-executing contracts with the terms directly written into code, ensuring security and transparency.

Zharta makes money by charging interest on the loans provided through its platform. The interest rates are pre-agreed upon and are part of the smart contract. Additionally, the platform may charge service fees for the use of its technology and infrastructure.

One of the standout features of Zharta is that it does not take ownership of the NFTs used as collateral. Instead, the NFTs are held in a smart contract escrow, meaning they are locked and governed by the pre-agreed terms of the loan. This ensures that the borrower retains ownership and is not at risk of liquidation until the end of the loan duration, even if the value of the collateral decreases.

In summary, Zharta.io is a cutting-edge platform that provides instant liquidity to NFT holders through secure, smart contract-based loans, serving a niche but growing market in the DeFi space.

Keywords: NFT loans, collateral, instant liquidity, DeFi, blockchain, smart contracts, ETH, USDC, user-friendly, secure.