.png)
For teams managing tokenized real-world assets, leverage is not the problem.
Unpredictability is.
In traditional finance, leverage strategies are built around fixed borrowing costs. Rates are defined upfront, models are stable, and risk can be assessed before execution.
Onchain, that hasn’t been the case.
Most DeFi lending protocols rely on variable rates driven by market liquidity. For institutional strategies, this makes it difficult to plan leverage, model downside scenarios, or justify execution internally, especially when RWAs are involved
The challenge with variable-rate leverage onchain
When borrowing costs fluctuate:
- leverage models break during periods of volatility
- costs change independently of asset quality
- teams spend time managing rates instead of managing portfolios
For funds using tokenized RWAs, this turns leverage into an operational risk rather than a strategic tool.
What’s missing is not access to capital, but predictable credit infrastructure.
Fixed-rate borrowing as an enabler of predictable strategies
Fixed-rate onchain borrowing changes the equation.
With predefined rates and terms, teams can:
- lock borrowing costs before deploying capital
- focus on asset selection and portfolio construction
- execute looping and leverage strategies with clear outcomes
This is especially relevant for tokenized RWAs, where predictability is a requirement, not a preference.
From theory to execution
Recent onchain pilots have shown that fixed-rate borrowing against tokenized assets can work end to end, from loan creation to repayment, with clear terms and predictable costs.
These executions demonstrate that leverage on tokenized RWAs no longer needs to rely on variable-rate exposure or liquidity-driven uncertainty.
How Zharta fits into this picture
Zharta is built as fixed-rate onchain credit infrastructure, designed to support predictable borrowing against tokenized assets.
Its architecture enables:
- fixed rates defined at loan creation
- full loan lifecycle management
- compatibility with tokenized RWAs
- execution models aligned with institutional workflows
Rather than optimizing for yield, Zharta focuses on making leverage strategies operationally viable onchain.
Interested in applying this to your strategy?
If your team is exploring leverage strategies on tokenized RWAs and needs predictable borrowing terms, we’d be happy to talk.
👉 Get in touch to discuss how Zharta can support your use case
👉 Contact our team to explore fixed-rate on-chain credit