Collateralized Debt Agreements Using Smart Contracts and Virtual Cats

In plain words

Dharma is a platform that uses smart contracts to create collateralized debt agreements, allowing users to borrow and lend cryptocurrency with virtual cats as collateral. Launched in 2018, it targets cryptocurrency users and developers interested in decentralized finance. The platform stands out for combining blockchain-based lending with a novel collateral mechanism using virtual assets, offering an alternative to traditional debt arrangements in the crypto space.

written from the facts on this page · September 2026

• DP
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  Hey HN! My name's Nadav Hollander, and I'm the Founder of Dharma. Dharma is building an open-source library that makes it really easy to programatically borrow and lend cryptocurrencies using smart contracts on the Ethereum blockchain. Today we're launching our Alpha Testnet release -- a command line tool that allows you to 1. Access a line of cryptocurrency credit from the command line in under 5 minutes 2. Easily build a bot that auto-invests in loans under hyper-customizable, programmable criteria Check it out: https://github.com/dharmaprotocol/dharma-cli Why I Think…

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