Yify Finance

yify is a Web3 NFT-backed lending protocol designed to unlock liquidity from yield-generating NFTs, including veNFTs from DeFi protocols and RWA NFTs representing real-world assets such as businesses and properties.

Despite generating sustainable yield, most productive NFTs remain illiquid — holders are forced to choose between holding for yield or selling for liquidity. yify solves this by enabling NFT owners to borrow stablecoins without selling their assets, while allowing the NFT’s yield to automatically repay loans or compound collateral.

By leveraging on-chain yield data, lock duration, and valuation models, yify dynamically determines safe Loan-to-Value (LTV) ratios and facilitates non-custodial, transparent, and automated NFT-backed lending. Yield generated by the NFT is programmatically distributed between loan repayment, lenders’ returns, and protocol sustainability.

yify transforms NFTs from passive ownership tokens into active financial instruments, bridging the gap between DeFi yield markets and real-world asset financing — and laying the foundation for a scalable, risk-aware NFT credit infrastructure.