Top 10 NFT Lending Platforms to Unlock Hidden Liquidity in 2025
In the rapidly evolving world of decentralized finance (DeFi), NFT Lending Platforms have emerged as a game-changer for investors seeking to unlock liquidity from their digital assets without selling them. As an investor, I’ve seen firsthand how NFT Lending Platforms transform the way we leverage non-fungible tokens (NFTs) to access capital, earn yields, or diversify portfolios.
Whether you’re a seasoned trader or just dipping your toes into the world of NFT finance, these platforms offer innovative ways to tap into the value of your digital collectibles. In this comprehensive guide, I’ll walk you through the Top 10 NFT Lending Platforms for 2025, diving deep into their features, advantages, disadvantages, and affiliate programs, all while optimizing for your search for NFT loans and NFT collateral.
Why NFT Lending Platforms Matter in 2025
The allure of NFT Lending Platforms lies in their ability to bridge the gap between illiquid digital assets and liquid capital. Imagine owning a rare Bored Ape Yacht Club NFT worth thousands but needing cash for a new investment opportunity. Instead of selling, you can use NFT Lending Platforms to borrow against your NFT, retaining ownership while unlocking liquidity. Through my research, I’ve found that these platforms not only empower collectors but also attract lenders looking to earn passive income through NFT yield. However, each platform operates differently, with unique strengths and risks, making it critical to choose the right one for your needs.
In this article, I’ll analyze 10 leading NFT Lending Platforms—Blend (Blur), NFTfi, Arcade, BendDAO, X2Y2, Zharta, Nexo, Crypto.com, MintNFTs.co, and OpenSea—focusing on their features, pros and cons, and affiliate programs. By the end, you’ll have a clear understanding of how these platforms stack up and which one aligns with your investment goals.
Supercharge Your NFTs: Top 10 NFT Lending Platforms to Unlock Hidden Liquidity in 2025
Discover the 10 best NFT lending platforms of 2025 that let you borrow against or earn yield from your digital assets. Compare interest rates, supported collections, and risk levels to choose the right DeFi solution for your NFTs.
Platform Analysis: Unpacking the Top 10 NFT Lending Platforms
1. Blend (Blur)
Blend, launched by the Blur NFT marketplace in May 2023, has quickly become a dominant force in NFT Lending Platforms, commanding a 92.9% market share in Q1 2024 with over $2 billion in lending volume. Through my exploration of NFT finance, I’ve found Blend’s peer-to-peer (P2P) perpetual lending model particularly compelling. It offers two flagship products: Buy-Now-Pay-Later (BNPL) and P2P lending, allowing users to borrow ETH against blue-chip NFTs like Azuki, CryptoPunks, and Milady Maker.
Advantages: Blend’s fixed interest rates provide clarity for lenders and borrowers, reducing uncertainty in volatile markets. Its integration with Blur’s marketplace ensures seamless transitions between trading and lending, making it a one-stop shop for NFT collateral transactions. The platform’s high liquidity, driven by ETH whales, supports large loan volumes, and its conservative approach to collateral (initially limited to select collections) minimizes risk.
Disadvantages: Blend’s dominance can be a double-edged sword. Its focus on major NFT collections limits accessibility for owners of less liquid assets. Additionally, the platform’s reliance on Ethereum means high gas fees, which can deter smaller investors. Compared to NFT Lending Platforms like NFTfi, Blend’s P2P model offers less flexibility in negotiating terms.
Affiliate Program: Blend’s affiliate program is less transparent, with limited public information on commissions or cookie duration. It likely requires KYC for affiliates, aligning with Blur’s regulatory compliance. Compared to other NFT Lending Platforms, Blend’s affiliate structure may be less competitive due to its focus on high-net-worth users.
2. NFTfi
NFTfi stands out as one of the most established NFT Lending Platforms, known for its P2P lending model. I’ve personally explored NFTfi’s marketplace, where borrowers list NFTs (e.g., Bored Ape Yacht Club, Doodles) and receive loan offers in wETH or DAI. The platform’s strength lies in its flexibility—borrowers and lenders negotiate terms directly, ensuring competitive rates.
Advantages: NFTfi charges 0% borrower fees, making it attractive for those seeking NFT loans. Its support for a wide range of NFTs, from art to gaming items, broadens its appeal. The platform’s escrow smart contracts ensure secure transactions, and its community-driven approach fosters trust. NFTfi’s integration of automated appraisals from NFTBank and Upshot helps users gauge NFT values, though these should be taken with a grain of salt due to market volatility.
Disadvantages: Lenders face a 5% fee on interest earned, which can cut into profits compared to NFT Lending Platforms like Arcade. The P2P model, while flexible, can be time-consuming, as finding a lender match isn’t instantaneous. Additionally, NFTfi’s reliance on Ethereum exposes users to high gas fees.
Affiliate Program: NFTfi’s affiliate program offers commissions for referring new users, though specific rates are undisclosed. It supports global participation without strict country restrictions, and payments are typically in crypto (wETH or DAI). KYC is required for affiliates, ensuring compliance. Compared to Nexo, NFTfi’s program is less structured but appeals to DeFi enthusiasts.
3. Arcade
Arcade is a DeFi-focused NFT Lending Platform that allows users to borrow and lend using NFTs as collateral. What sets Arcade apart, in my experience, is its ability to “wrap” multiple NFTs into a single collateralized asset, ideal for collectors with diverse portfolios.
Advantages: Arcade’s P2P model offers unmatched flexibility—borrowers can set terms or accept collection-wide loan offers, streamlining the process for lenders targeting specific NFT collections. Loans can be repaid at any time, enhancing borrower convenience. Arcade’s $17.8 million in funding signals strong growth potential, making it a rising star among NFT Lending Platforms.
Disadvantages: Arcade’s smaller market share (2.8% in Q1 2024) reflects its niche status compared to Blend. Its focus on Ethereum-based NFTs limits cross-chain compatibility, and the platform’s relative youth means it’s less battle-tested than NFTfi or BendDAO.
Affiliate Program: Arcade’s affiliate program is not well-documented, but it likely offers crypto-based commissions with KYC requirements. Compared to NFT Lending Platforms like Nexo, Arcade’s program may lack the polish needed to attract large-scale affiliates.
4. BendDAO
BendDAO pioneered the peer-to-protocol model among NFT Lending Platforms, using liquidity pools to offer instant loans against blue-chip NFTs like Bored Ape Yacht Club and CryptoPunks. My research highlights its innovative use of Chainlink oracles to fetch real-time floor prices from OpenSea, ensuring fair valuations.
Advantages: BendDAO’s loan pool model provides instant liquidity, a significant edge over P2P platforms. Lenders earn bendETH tokens, which accrue interest, incentivizing participation. Borrowers can access up to 40% of their NFT’s floor value, and a 48-hour liquidation grace period offers protection against sudden market drops.
Disadvantages: The peer-to-protocol model sacrifices flexibility, as loan terms are dictated by the protocol. Owners of rare NFTs may receive lower loan-to-value (LTV) ratios due to floor price reliance. Compared to NFT Lending Platforms like NFTfi, BendDAO’s limited collection support restricts its user base.
Affiliate Program: BendDAO’s affiliate program is nascent, with limited details on commissions or cookie duration. KYC is likely required, and payments are in crypto. Compared to Nexo, BendDAO’s program is less developed, reflecting its DeFi focus.
5. X2Y2
X2Y2 integrates NFT Lending Platforms with its broader NFT marketplace, offering a P2P lending model. I’ve found its seamless ecosystem appealing, as users can trade and lend NFTs in one place, supporting collections like Azuki and Mutant Ape Yacht Club.
Advantages: X2Y2’s P2P model allows direct negotiations, fostering flexible terms. Its marketplace integration enhances user experience, and its 0.8% market share in Q1 2024 reflects steady growth. The platform’s support for multiple loan durations (e.g., 7, 14, 30 days) caters to diverse needs.
Disadvantages: X2Y2’s smaller market share compared to Blend or NFTfi limits its liquidity. High Ethereum gas fees and a lack of cross-chain support are drawbacks. Compared to NFT Lending Platforms like Arcade, X2Y2 offers less innovative collateral options.
Affiliate Program: X2Y2’s affiliate program is crypto-focused, with KYC likely required. Commission details are sparse, but it competes with platforms like NFTfi by targeting marketplace users. Its global reach is a plus, though less structured than Nexo’s program.
6. Zharta
Zharta’s peer-to-pool model makes it a unique player among NFT Lending Platforms, offering instant loans by leveraging AI appraisals and DeFi pools. I’ve been impressed by its ability to bundle multiple NFTs as collateral, ideal for collectors with lower-value assets.
Advantages: Zharta’s automation and user-friendly interface streamline the borrowing process. Its zero borrower fees and support for Uniswap LP NFTs expand its use cases. The platform’s focus on instant liquidity makes it a strong contender for NFT loans.
Disadvantages: Zharta’s smaller market presence compared to Blend or NFTfi limits its visibility. Its peer-to-pool model may undervalue rare NFTs, and Ethereum gas fees remain a concern. Compared to NFT Lending Platforms like BendDAO, Zharta’s AI appraisals are less transparent.
Affiliate Program: Zharta’s affiliate program is emerging, with crypto payments and likely KYC requirements. It lags behind Nexo’s structured program but appeals to DeFi-focused affiliates.
7. Nexo
Nexo, a centralized crypto lending platform, extends its services to NFT Lending Platforms, allowing users to borrow against NFTs with competitive rates starting at 5.9% APR. My experience with Nexo highlights its user-friendly approach and institutional-grade security.
Advantages: Nexo’s high LTV ratio (up to 75%) and no-liquidation policy protect borrowers from market volatility. Its centralized model eliminates gas fees, and a dedicated account manager enhances user support. Compared to NFT Lending Platforms like NFTfi, Nexo’s fiat options broaden accessibility.
Disadvantages: As a centralized platform, Nexo lacks the decentralization of DeFi-focused NFT Lending Platforms. Its NFT support is limited compared to NFTfi or Arcade, and regulatory constraints may restrict access in some regions.
Affiliate Program: Nexo’s affiliate program is robust, offering up to 0.2% commission on loan volumes with a 30-day cookie duration. It supports global affiliates, requires KYC, and offers fiat/crypto payments. Compared to NFT Lending Platforms like Blend, Nexo’s program is more established.
8. Crypto.com
Crypto.com integrates NFT Lending Platforms into its broader crypto ecosystem, offering loans against select NFTs. I’ve found its mobile-first approach ideal for retail investors seeking simplicity in NFT finance.
Advantages: Crypto.com’s low rates (starting at 1% APR) and user-friendly app make it accessible. Its no-KYC loan options appeal to privacy-conscious users, and global availability enhances its reach. Compared to NFT Lending Platforms like Nexo, Crypto.com offers more flexible repayment schedules.
Disadvantages: Limited NFT support and a centralized model reduce its appeal for DeFi purists. Its smaller focus on NFT loans compared to Blend or NFTfi limits its market share.
Affiliate Program: Crypto.com’s affiliate program offers competitive commissions (up to 2% on loan volumes) with a 30-day cookie duration. KYC is required, and payments are in crypto or fiat. It outperforms less structured programs like Zharta’s.
9. MintNFTs.co
MintNFTs.co is an emerging NFT Lending Platform focused on NFT creators and collectors. Its lending model is less documented, but it emphasizes accessibility for new NFT projects.
Advantages: MintNFTs.co’s focus on smaller NFT projects fills a gap left by blue-chip-focused NFT Lending Platforms like BendDAO. Its user-friendly interface and low barriers to entry attract new investors.
Disadvantages: Limited market presence and transparency make it riskier than established NFT Lending Platforms. Its lending volume and supported collections are unclear, reducing trust compared to NFTfi.
Affiliate Program: MintNFTs.co’s affiliate program is underdeveloped, with minimal details on commissions or KYC. It lags behind Nexo and Crypto.com in structure and appeal.
10. OpenSea
While OpenSea is primarily an NFT marketplace, it’s exploring NFT Lending Platforms through partnerships and potential features. I’ve used OpenSea extensively and see its potential to integrate lending seamlessly.
Advantages: OpenSea’s vast user base and 80+ million NFTs provide unmatched liquidity. Its reputation as the largest NFT marketplace ensures trust. Compared to NFT Lending Platforms like X2Y2, OpenSea’s potential lending integration could dominate.
Disadvantages: OpenSea’s lack of active lending features in 2025 limits its current utility. High gas fees and an overcrowded marketplace are drawbacks. Compared to Blend, OpenSea trails in NFT loans innovation.
Affiliate Program: OpenSea’s affiliate program focuses on marketplace transactions, not lending, with a 2.5% commission on sales. KYC is required, and payments are in crypto. It’s less relevant for NFT Lending Platforms but competitive in the broader NFT space.
Comparison of NFT Lending Platforms
| Platform | Model | Supported NFTs | LTV Ratio | Fees | Liquidation Policy |
|---|---|---|---|---|---|
| Blend (Blur) | P2P | Azuki, CryptoPunks | Varies | Fixed rates | Market-based |
| NFTfi | P2P | Wide range | Up to 50% | 0% borrower, 5% lender | Default-based |
| Arcade | P2P | Multiple collections | Varies | Varies | Flexible repayment |
| BendDAO | Peer-to-Protocol | Blue-chip NFTs | Up to 40% | Protocol fees | 48-hour grace period |
| X2Y2 | P2P | Azuki, BAYC | Varies | Marketplace fees | Default-based |
| Zharta | Peer-to-Protocol | Wide range, LP NFTs | Up to 50% | 0% borrower | Protocol-based |
| Nexo | Centralized | Select NFTs | Up to 75% | 5.9%+ APR | No liquidation |
| Crypto.com | Centralized | Select NFTs | Varies | 1%+ APR | Flexible |
| MintNFTs.co | P2P | Emerging NFTs | Unclear | Unclear | Unclear |
| OpenSea | Marketplace | None (future) | N/A | 2.5% marketplace fee | N/A |
Comparison of Affiliate Programs
| Platform | Commission | Cookie Duration | Payment Method | KYC Required | Allowed Countries |
|---|---|---|---|---|---|
| Blend (Blur) | Unclear | Unclear | Crypto | Likely | Global |
| NFTfi | Varies | Unclear | Crypto | Yes | Global |
| Arcade | Unclear | Unclear | Crypto | Likely | Global |
| BendDAO | Unclear | Unclear | Crypto | Likely | Global |
| X2Y2 | Varies | Unclear | Crypto | Likely | Global |
| Zharta | Unclear | Unclear | Crypto | Likely | Global |
| Nexo | Up to 0.2% | 30 days | Crypto/Fiat | Yes | Global |
| Crypto.com | Up to 2% | 30 days | Crypto/Fiat | Yes | Global |
| MintNFTs.co | Unclear | Unclear | Crypto | Unclear | Unclear |
| OpenSea | 2.5% (marketplace) | Unclear | Crypto | Yes | Global |
Conclusion: Choosing the Right NFT Lending Platform for You
Navigating the world of NFT Lending Platforms can feel like exploring a new frontier, but the opportunities are immense. Through my journey in NFT finance, I’ve learned that each platform caters to different needs—Blend for high-volume traders, NFTfi for flexible P2P lending, and Nexo for centralized stability. Before diving in, assess your goals: Are you seeking NFT loans for quick liquidity, or do you want to earn NFT yield as a lender? Consider factors like LTV ratios, fees, and liquidation risks, and always conduct thorough research.
For the latest updates on NFT Lending Platforms, check trusted sources like CoinGecko or NFTfi’s official blog. As the NFT DeFi space evolves, these platforms will continue to shape how we unlock liquidity from digital assets in 2025 and beyond.
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