Sharky is a peer-to-peer NFT lending and borrowing protocol built on the Solana blockchain. As a decentralized application (dApp), it facilitates direct transactions between users, enabling a credit market for non-fungible tokens. The platform allows NFT holders to use their digital assets as collateral to obtain instant loans in cryptocurrencies such as SOL or USDC. This mechanism addresses the issue of NFT illiquidity, providing owners with access to capital without requiring them to sell their assets. For lenders, Sharky offers an opportunity to earn yield by providing liquidity. Lenders can create specific loan offers for entire NFT collections, setting their own terms, including the loan amount, interest rate (APR), and loan duration. If a borrower accepts an offer and successfully repays the loan plus interest within the specified timeframe, the lender receives a return on their capital. In the event of a loan default, where the borrower fails to repay on time, the lender receives the underlying NFT collateral as settlement. The protocol operates on-chain, with loan terms enforced by smart contracts, providing a transparent framework for all transactions. By connecting borrowers in need of liquidity with lenders seeking to generate yield, Sharky functions as a key financial infrastructure piece within the Solana NFT ecosystem. It allows market participants to determine loan-to-value (LTV) ratios and interest rates through a dynamic, offer-based system, creating a decentralized marketplace for NFT-backed debt. This model enhances the utility of NFTs, transforming them from static digital collectibles into productive financial assets.