Live on Pharos
Lending and Borrowing for RWAsLend your RWAs.Earn real yield.
Unlock liquidity from your idle RWAs.
Total Market
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Total Borrowed
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Our Partners
About Zona
Lend to earn interest. Borrow against your collateral.
Lend and borrow anything
Zona supports both crypto-native assets and RWAs.
Lend and borrow with a single click.
Supported Asset Types
A quick map of what you can lend and borrow.
Exposure
Crypto-native
Exposure
Blue-chips
Large-cap tokens with deep liquidity.
Price
Examples: BTC, ETH, PROS
Yield-bearing stablecoins
Stable collateral for onchain strategies.
Yield
Examples: USDe, USDai
Liquid staking tokens
Staked token collateral.
Yield
Examples: stPROS
Volatile assets
High-volatility tokens.
Price
Examples: Memecoins
Real-World Assets
Exposure
Equities & ETFs
Tokenized equities and indexes.
Price
Examples: NVDA, TSLA, S&P 500
Tokenized treasuries
Tokenized government debt.
Yield
Examples: T-bills
Gold & commodities
Commodity-linked collateral.
Price
Examples: Gold, silver, oil
Real estate
Property-linked collateral.
PriceYield
Examples: Real estate funds
Frequently Asked Questions
What is Zona?
Zona is a lending platform on Pharos for RWAs and crypto-native assets. Supply assets to earn yield, or borrow against collateral including tokenized treasuries, equities, and other RWAs. Zona will also add an optional one-click looping feature for easy access to leveraged exposure.
How does lending work on Zona?
Lending on Zona means supplying assets into ZonaLend liquidity pools on Pharos. Borrowers pay interest on what they take out, and that interest flows to lenders as yield.
1. Choose a supported asset (RWA or crypto-native)
2. Supply it to the pool
3. Earn yield from borrower demand
You can always feel free to withdraw, as long as pool liquidity is available.
How does borrowing work on Zona?
Borrowing lets you unlock liquidity without selling your collateral. Deposit RWAs or crypto-native assets, then borrow other supported assets against them on Pharos.
1. Deposit collateral (e.g. tokenized treasuries, LSTs, stablecoins)
2. Borrow up to your allowed loan-to-value
3. Use borrowed funds for liquidity, hedging, or looping
Health factors and liquidation rules apply as in standard lending markets - manage collateral and debt to stay safe.
What RWAs can I lend or borrow against?
Zona is built with RWAs at the center. Supported collateral and borrow markets include tokenized real-world assets alongside crypto-native positions—subject to oracle coverage and liquidity on Pharos.
1. RWAs: treasuries, equities, ETFs, tokenized gold, commodities, real estate, and more.
2. Crypto-native: liquid staking tokens, yield-bearing stablecoins, LP positions, and more.
New markets are added as oracles and liquidity on Pharos allow. Check the app for the latest supported assets.
Where is Zona live?
Zona is live on Pharos mainnet. Connect your wallet at app.zona.finance/lend to lend, borrow, and earn points.
How do I contact the team?
Join our Discord and talk with us in #general. For private discussions, please open a ticket in #tickets. We usually respond fastest there.