P2P NFT/Token lending on smart contract which allows user to put their NFT's as collateral and take a loan in currency of choice
Last updated Oct 25, 2025
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TypeScript 51.2%
Rust 48.8%
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README
P2P NFT/Token lending Program with Multisig management
📝 About
- This program to allows users to deposit their nft's as collateral borrow (spl-tokens / SOL) from others using their asset as collateral.
- Both lender and borrower receives reward NFT's which is tied to their underlying asset
- reward NFT's are TOTALLY transferrable making sure obligations are not tied to a wallet
- interests are compounded per slot
🚀 Features
Multsig
- set owners
- set platform fee percentage
- set APY / interest rate
- set LTV
- withdraw fee
Borrower
- Request tokens(Borrow) from lenders using nft as collateral
- Receive Reward NFT to represent Loan obligation
- Pay back loan with accrued interest (as at the current time)
- Withdraw original NFT from Platform
- original NFT gets forfeited if user borrower is unable to pay back at set time
Lender
- Grant user loan request
- Receive Reward NFT to represent tokens lent
- Tokens accrue interest based on currently set APY
- Seize or list NFT for sale if borrower is unable to pay
Kindly Note
this program has not been audited 😀.
🔥 How to test
Prerequisites
Installation
- Fork the Repository
$ git clone https://github.com/IMEF-FEMI/solanap2pnft_lending.git
$ cd Sol-Loan-a-NFT
$ git remote add upstream https://github.com/IMEF-FEMI/solanap2pnft_lending.git
$ yarn install
$ anchor test
feedbacks would be greatly appreciated
Feel free to reach out to me at @femi_0x on Twitter! or simply open a PR 😀 - Thank You!
Inspired by https://github.com/PirosB3/SafePaySolana
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