What are the pros of Sharky?

Largest and most liquid NFT lending market on Solana. Escrow-less design means NFTs stay in your wallet. Fast loan execution with fixed terms and predictable rates.

What are the cons of Sharky?

Limited to NFT collateral only — no fungible token lending. Loan terms are short (7-14 days) requiring frequent refinancing. Risk of liquidation if NFT floor price drops.

How much does Sharky cost?

Sharky is completely free to use.

Sharky Review | Honest Verdict (2026)

Sharky is the largest and most liquid NFT lending protocol on Solana, enabling NFT holders to borrow SOL against their NFTs as collateral and lenders to earn yield on NFT-backed loans. The protocol uses an escrow-less design where NFTs stay in the borrower's wallet until a default occurs, reducing custodial risk. Loan terms are fixed at 7-14 days with predictable interest rates, and borrowers can refinance at any time. With over 1.4 million loans processed, Sharky has established deep liquidity across all major Solana NFT collections. Lenders choose which collections to lend against and set their own rates, creating a competitive marketplace that benefits borrowers with tighter spreads. Sharky charges a small protocol fee on completed loans but is otherwise free to use for both borrowers and lenders. Whether you need quick SOL liquidity without selling your favorite NFT or want to earn yield by lending against blue-chip collections, Sharky is the most battle-tested NFT lending platform on Solana.

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