Active

Citrus Review 2026: Peer-to-Peer NFT Lending on Solana

Citrus is a peer-to-peer NFT lending platform on Solana from the Famous Fox Federation ecosystem. It is a niche tool with small TVL and no listed audits, so treat it with caution.

Solana

By the DappsAtlas editorial team · Updated Nov 4, 2026

DappsAtlas score

5.3/10

Mixed

Visit Citrus

Our verdict on Citrus

5.3/10

Citrus suits Solana NFT holders who want a peer-to-peer way to borrow against their collectibles, or lenders comfortable taking NFTs as collateral. Its main strength is a clear, narrow focus on Solana NFT loans. The main caveat is its small TVL of about $62,000 and the lack of listed audits, along with unpublished fee details. Treat it as a high-risk niche tool and keep exposure small.

Score breakdown

How Citrus scores

Security: 4.0/10
Ease of use: 6.5/10
Fees: n/a
Features: 5.5/10

Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.

What is Citrus?

Citrus is a peer-to-peer NFT lending platform on Solana. DefiLlama describes it as letting users borrow against their NFTs as well as mortgage NFTs. The site is hosted under the Famous Fox Federation domain, and DefiLlama lists the project's Twitter as FamousFoxFed.

The homepage calls it a fast and secure P2P lending platform with low fees and deep liquidity, and says lenders can earn APY and Juice reward points. These are marketing claims, and the project does not back them with figures.

DefiLlama has tracked Citrus since March 2023. Its TVL is about $62,182, down 11.7% over seven days, and no audits are listed. It is a small, niche protocol.

How Citrus works

Citrus is a peer-to-peer NFT lending market. A borrower lists a Solana NFT as collateral and a lender offers funds against it. The NFT is held by the protocol while the loan is active.

If the borrower repays the loan with interest in time, the NFT is returned. If not, the lender can typically take the NFT. This is how most NFT lending products work, though the exact terms of Citrus are not set out.

The homepage also mentions earning APY on deposits and collecting Juice points that can be redeemed for bonus NFTs and Solana rewards.

5 features

Key features

Peer-to-peer lending

Borrowers and lenders deal with each other directly rather than through a shared pool, with loan terms set per NFT.

Borrow against NFTs

Users can take loans against Solana NFTs they hold without selling them outright.

NFT mortgages

DefiLlama says the platform also lets users mortgage NFTs.

Lender yield

The homepage says users can earn APY on deposited funds when they lend.

Juice reward points

The homepage says Juice reward points can be redeemed for bonus NFTs and Solana rewards.

Pros and cons

What we like

Focused on one job: lending against Solana NFTs
Peer-to-peer model lets borrowers and lenders negotiate terms
Lets NFT holders access funds without selling
Tracked by DefiLlama since March 2023
Reward points and a FOXY token add extra incentives for users

Watch out for

TVL is small at about $62,000, which suggests limited lending liquidity
TVL fell 11.7% over the past seven days
DefiLlama lists no audits for the protocol
Fee and interest-rate details are not published
Limited to Solana NFTs, so it is of no use for other chains or token-only collateral
Peer-to-peer loans depend on a lender being willing to fund your NFT at acceptable terms

Citrus fees

Specific fees are not published. The homepage describes fees as incredibly low and mentions APY on deposits, but gives no percentages.

Users would see the interest rate, loan duration and any platform charges in the app when they review or accept a loan offer. Check these before signing a transaction, along with Solana network fees.

Is Citrus safe?

DefiLlama lists no audits for Citrus. Smart-contract risk therefore cannot be assessed from public sources, and users should assume it exists. NFT collateral is held by the protocol while a loan is open, so a contract flaw could put it at risk.

There is also market risk. NFT prices can fall sharply, and a borrower who cannot repay may lose the NFT. Lenders may be left holding an NFT worth less than the loan. No hacks or incidents appear, but the data is limited. Check local rules on NFT lending and DeFi before using it.

6 steps

How to get started with Citrus

1
Check that the site address matches the official link from the project's verified social account.
2
Set up a Solana wallet and fund it with a little SOL for network fees.
3
Connect the wallet to the Citrus app.
4
Choose whether to borrow against an NFT or lend funds to borrowers.
5
Read the loan amount, interest, duration and liquidation or default terms carefully.
6
Approve the transaction and monitor the loan until repayment or expiry.

Open Citrus

Who Citrus is for

Citrus is for Solana users who hold NFTs and want liquidity without selling, and for lenders willing to take NFT collateral risk. It is not suited to anyone who needs audited, deep-liquidity lending or who is unfamiliar with NFT valuation and self-custody wallets.

Citrus FAQs

What is Citrus?

Citrus is a peer-to-peer NFT lending platform on Solana. Users can borrow against their NFTs, lend funds to borrowers, or mortgage NFTs, according to DefiLlama's description.

Which blockchain does Citrus use?

Public sources name Solana as the only chain. The homepage describes the platform as built for Solana NFTs.

Does Citrus have a token?

DefiLlama lists a token called FOXY for the project. The homepage also mentions Juice reward points that can be redeemed for bonus NFTs and Solana rewards, but it gives no further detail.

Is Citrus safe?

DefiLlama lists no audits for Citrus. Its TVL is about $62,182, which is small. Any NFT-backed loan carries risks, including smart-contract bugs, NFT price drops and loss of the collateral if you default, so only use what you can afford to lose.

What are the fees on Citrus?

The homepage claims incredibly low fees and impressive APY, but gives no specific figures. Check the loan terms shown in the app before accepting any offer.

Compare

Citrus alternatives

All alternatives

Sharky

NFT Lending

Sharky is an escrowless NFT lending protocol on Solana where users borrow SOL against NFTs or lend SOL for interest, with small TVL and no listed audits.

TVL $78.7K−15.8%Solana

Arcade.xyz

NFT Lending

Arcade.xyz is an Ethereum marketplace for peer-to-peer, fixed-rate loans secured by NFTs, aimed at NFT holders and lenders.

TVL $191K−1.1%Ethereum

Gondi V3

NFT Lending

Gondi V3 is a non-custodial peer-to-peer NFT lending protocol and marketplace on Ethereum, Hyperliquid and Robinhood Chain for NFT holders and lenders.

TVL $2.89M+0.5%Ethereum · Hyperliquid L1 · Robinhood Chain