Skip to content

DappsAtlas index · 14,224 dApps

DappsAtlas
Zentra Finance logo

Lending · Review

Zentra Finance Review 2026: Citrea Lending Profile

Zentra Finance is described as a Citrea-native, non-custodial money market. Its supported assets, lending terms and security details are not clearly published, so users have little information to assess before interacting.

By the DappsAtlas editorial team · Updated

DappsAtlas score

—/10

Not rated

Our verdict on Zentra Finance

Zentra Finance may interest users exploring lending protocols on Citrea, particularly those looking for a focused money market. Its description calls the protocol non-custodial, but the core details needed to evaluate a lending market—supported assets, rates, collateral rules and fees—are not clearly published. No audits are listed. Treat Zentra as an early research lead rather than a well-documented lending option, and verify the contracts and terms before committing funds.

Score breakdown

How Zentra Finance scores

Security
n/a
Ease of use
n/a
Fees
n/a
Features
n/a

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 Zentra Finance?

Zentra Finance is presented as a native DeFi money market on Citrea. A project description characterizes it as non-custodial, but details such as supported assets, rates, collateral rules and fees are not clearly published. No audits are listed.

How Zentra Finance works

Zentra identifies itself as a DeFi money market on Citrea. A money market generally lets users supply assets to a pool and may allow other users to borrow from it, subject to the protocol's rules.

2 features

Key features

01

Citrea money market

Zentra is presented as a money market protocol native to Citrea.

02

Non-custodial description

A project description characterizes Zentra as non-custodial; users should verify the contract and custody details themselves.

Pros and cons

What we like

  • Focused on lending rather than a broad set of DeFi products.
  • Built for the Citrea ecosystem.
  • Described as non-custodial, though users should independently verify the custody model.

Watch out for

  • Supported lending and borrowing assets are not published.
  • Rates, fees, collateral requirements and liquidation terms are not published.
  • No audits are listed.
  • The available product description is too limited to assess how the protocol works in practice.

Zentra Finance fees

Zentra has not published a fee schedule. Check the protocol interface for any current borrowing, supply or withdrawal charges before using the service.

Is Zentra Finance safe?

No audits are listed. Lending protocols carry smart-contract risk, and borrowers may face liquidation if collateral rules are breached. Zentra is described as non-custodial, but users should verify the contracts and custody model themselves. Its regulatory status is not published.

4 steps

How to get started with Zentra Finance

  1. 1

    Visit Zentra's official site and confirm that the protocol is available.

  2. 2

    Check whether the interface identifies the assets and markets you intend to use.

  3. 3

    Verify your wallet and network compatibility with Citrea before connecting.

  4. 4

    Review rates, fees, collateral and liquidation terms, and contract details before supplying or borrowing.

Who Zentra Finance is for

Zentra is most relevant to users already exploring Citrea who want to investigate a native lending market. It is a poor fit for anyone who needs clearly published market terms, fees or audit information before deciding whether to use a protocol.

Zentra Finance FAQs

What is Zentra Finance?

Zentra Finance is a money market protocol on Citrea. Its published description does not specify which assets users can supply or borrow.

Which blockchain does Zentra Finance use?

Zentra is listed on Citrea. Its description characterizes the protocol as non-custodial, but users should verify the contracts and custody model before depositing assets.

What are Zentra Finance's fees?

Zentra does not publish a fee schedule, supported markets or lending terms in its brief project description. Check the protocol interface for current terms before using it.

Compare

Zentra Finance alternatives

All alternatives
Morpho Blue logoScore 8.0 out of 10

Morpho Blue is a permissionless lending primitive with about $11.4 billion in TVL on DefiLlama, accessed mainly through curated vaults.

TVL $10.9B−0.5%Ethereum · Base · Robinhood Chain +41
Aave V3 logo

Aave V3

Lending

Score 8.6 out of 10

Aave V3 is a non-custodial DeFi lending protocol on 21 chains where users earn interest on deposits or borrow against collateral.

TVL $15.8B+5.1%Ethereum · Base · Arbitrum +18
Dolomite logo

Dolomite

Lending

Score 7.8 out of 10

Dolomite is a multi-chain DeFi money market for lending, borrowing and leveraged strategies across 1,000+ assets, with its own DOLO token.

TVL $142M−15.1%Ethereum · Arbitrum · Berachain +4
Compound V3 logoScore 8.0 out of 10

Compound V3 is a lending protocol on Ethereum and nine other chains where users supply a base asset for yield or borrow it against collateral.

TVL $1.26B−2.3%Ethereum · Arbitrum · Base +7
Mystic Finance Lending logoScore 7.3 out of 10

Mystic Finance is a Morpho-based lending market for earning, borrowing, staking and swapping, with a focus on tokenized real-world assets.

TVL $31.7M+0.7%Flare · Citrea · Plume +2
SparkLend logo

SparkLend

Lending

Score 8.0 out of 10

SparkLend is a stablecoin lending market on Ethereum and Gnosis with governance-set rates, backed by Sky's Liquidity Layer, for borrowers and savers.

TVL $5.04B−0.8%Ethereum · xDai

Same category

More Lending dApps

Lending rankings
Euler V2 logo

Euler V2

Lending

Score 8.0 out of 10

Euler V2 is a modular DeFi lending protocol for lenders, borrowers and market curators, with about $268M TVL across 16 chains.

TVL $283M+5.5%Monad · Ethereum · Base +13

Morpho

Lending

Score 8.0 out of 10

Morpho is a decentralized lending protocol with isolated markets, curated vaults and fixed-rate loans for crypto lenders, borrowers and developers.

Ethereum · Base
Kamino Finance logoScore 7.9 out of 10

Kamino Finance is a Solana DeFi protocol offering lending, automated liquidity vaults and leverage tools for users seeking on-chain yield.

Solana
Aave V4 logo

Aave V4

Lending

Score 7.8 out of 10

Aave V4 is a modular, non-custodial lending protocol using a hub-and-spoke design, for users who want to earn on or borrow against crypto.

TVL $808M+20.6%Ethereum · Arc · Avalanche +1
Venus Core Pool logoScore 7.6 out of 10

Venus Core Pool is a multi-chain DeFi money market where users supply crypto to earn interest or borrow against collateral, with about $1.18B in TVL.

TVL $1.08B−6.6%BNB Chain · Ethereum · Arbitrum +5
Kamino logo

Kamino

Lending

Score 7.6 out of 10

Kamino is a Solana DeFi protocol with a lending market, automated concentrated liquidity vaults and an intents-based swap, for yield-seeking on-chain users.

Solana

Same chain

More on Citrea

Citrea rankings
LayerZero V2 logoScore 8.0 out of 10

LayerZero V2 is a cross-chain messaging protocol and bridge infrastructure for developers and asset issuers, connecting dozens of blockchains.

TVL $17.9B+10.6%Polygon · Ethereum · ApeChain +76
Upshift logo

Upshift

Onchain Capital Allocator

Score 7.3 out of 10

Upshift is a multi-chain vault platform where third-party strategists run onchain yield strategies for stablecoin, BTC, ETH and XRP deposits.

TVL $461M+6.9%Ethereum · Stellar · Flare +11
RockawayX logo

RockawayX

Risk Curators

Score 6.5 out of 10

RockawayX is a Web3 investor, validator operator and DeFi risk curator on Morpho, offering market-neutral yield strategies mainly for institutional clients.

TVL $299M+9.0%Ethereum · Solana · Monad +7
OmniHub logo

OmniHub

NFT Marketplaces: Other

Score 6.3 out of 10

OmniHub is a multichain NFT launchpad for creating, minting and trading digital collectibles across more than forty networks, often at free or very low prices.

Arc · Base · Robinhood Chain +39

Fibrous

Dex Aggregator

Score 6.2 out of 10

Fibrous is a multi-chain DEX aggregator for Starknet, Base and Scroll, with a CLI and MCP server for developers and AI agents.

Starknet · Base · Scroll +3
atomiq exchange logo

atomiq exchange

Cross Chain Bridge

Score 5.2 out of 10

atomiq exchange is a cross-chain DEX for trustless swaps between native Bitcoin (on-chain and Lightning) and Solana, Starknet, Citrea and Botanix.

TVL $46−1.6%Starknet · Citrea · Solana +1

How we checked

Sources

  1. 1.defillama.com/protocol/zentra-finance

Last updated . Spotted an error? Tell us and we will correct it.