# FAQ

## Does the loan come directly from Lendz?

Currently, Lendz does not have the functionality to obtain loans on the platform directly. But that will change soon.

## Does Lendz charge a fee?

No, Lendz does not charge any fees to lenders or borrowers.

## Is Lendz safe to use?

Yes, Lendz is completely safe to use!

## Do I have to interact with any smart-contracts on Lendz?

You don't have to interact with any smart-contracts on Lendz.

## But how do I get a loan?

1\. Lendz aggregates information about Loan Offers and recommends you the best.

2\. To get a loan you have to click "Borrow" button to go to the following NFT lending platform.

3\. You will have to interact with the smart-contract of the following NFT lending platform to get a loan.

## Aggregate NFT lending platforms — are they safe?

Lendz takes great care in selecting listing protocols to provide our users with not only the most profitable, but also the safest loans. Currently Lendz aggregates 5 top peer2peer NFT lending platforms (Arcade, BendDAO, NFTfi, ParaSpace, X2Y2, Zharta)

### **1. Arcade —** [**https://www.arcade.xyz/**](https://www.arcade.xyz/)

V2 Protocol Audits:

* [Quantstamp Audit June 2022](https://github.com/arcadexyz/v2-contracts/blob/main/audits/V2_Lending_Quantstamp_2022_06.pdf)
* [Roku Audit May 2022](https://github.com/arcadexyz/v2-contracts/blob/main/audits/V2_Lending_Roku_2022_06.pdf)

V1 Protocol Audits:

* [Macro Audit April 2022](https://github.com/arcadexyz/v2-contracts/blob/main/audits/V1_Lending_Macro_2022-04.pdf)

### **2. BendDAO —** [**https://www.benddao.xyz/**](https://www.benddao.xyz/en/)

All audits of BendDAO smart contracts can be found on [this website](https://docs.benddao.xyz/portal/risk/security-and-audits).

### **3. NFTfi —** [**https://nftfi.com/**](https://nftfi.com/)

The NFTfi V2 smart contract system has been double-audited by two industry-leading firms ([Chainsecurity](https://chainsecurity.com/security-audit/nftfi/), [Halborn](https://github.com/HalbornSecurity/PublicReports/blob/master/Solidity%20Smart%20Contract%20Audits/NFTfi_Ethereum_Smart_Contract_Security_Audit_Report_Halborn_Final.pdf)).

Here are all Halborn security audit reports:

* [NFTfi - Collection Offer Smart Contract Security Audit Report](https://github.com/HalbornSecurity/PublicReports/blob/master/Solidity%20Smart%20Contract%20Audits/NFTfi_eth_nftfi_Collection_Offer_Smart_Contract_Security_Audit_Report_Halborn_Final.pdf)
* [NFTfi - Ethereum Smart Contract Security Audit Report](https://github.com/HalbornSecurity/PublicReports/blob/master/Solidity%20Smart%20Contract%20Audits/NFTfi_Ethereum_Smart_Contract_Security_Audit_Report_Halborn_Final.pdf)
* [NFTfi - DirectLoanFixedOffer Redeployment Smart Contract Security Audit Report](https://github.com/HalbornSecurity/PublicReports/blob/master/Solidity%20Smart%20Contract%20Audits/NFTfi_DirectLoanFixedOffer_Redeployment_Smart_Contract_Security_Audit_Report_Halborn_Final.pdf)
* [NFTfi - Bundles Airdrop Smart Contract Security Audit Report](https://github.com/HalbornSecurity/PublicReports/blob/master/Solidity%20Smart%20Contract%20Audits/NFTfi_Bundles_Airdrop_Smart_Contract_Security_Audit_Report_Halborn_Final.pdf)

### **4. ParaSpace —** [**https://para.space/**](https://para.space/)

All audits of ParaSpace smart contracts can be found on [this website](https://docs.para.space/para-space/protocol-security-and-external-audits/external-audits).

### 5. **X2Y2 —** [**https://x2y2.io/**](https://x2y2.io/)

[X2Y2 - Audit Report](https://docs.x2y2.io/assets/files/X2Y2_NFT_Lending_Report-7dfe991023b2fbd18c647d384fc333e1.pdf)

### 6. Zharta **—** [**https://www.zharta.io/**](https://www.zharta.io/)

All audits of Zharta protocol can be found on [this GitHub page](https://github.com/Zharta/protocol-v1/tree/main/docs/audits).