NFT Lending Rate Comparator

WHAT IT DOES

NFT Lending Rate Comparator is a comprehensive browser extension that aggregates and compares lending rates across multiple NFT lending protocols in real-time. When you view an NFT detail page, the tool automatically detects the token contract and ID, then queries leading NFT lending platforms—including BendDAO, NFTfi, JPEG'd, ParaSpace, and Blur Lending—to fetch current loan terms. The panel displays a sorted comparison showing each protocol's APR, maximum loan-to-value ratio, origination fees, loan duration options, liquidation thresholds, and available liquidity. The best rate is highlighted with a star indicator, making it easy to identify the most favorable terms. When you select a preferred protocol, the tool constructs and signs the necessary transactions through your wallet to initiate the loan, including the NFT approval and collateral deposit steps. The entire borrowing process is streamlined into a few clicks, with gas estimation and confirmation dialogs at each step.

WHERE IT RUNS

This overlay operates on OpenSea asset detail pages. It works in any browser that supports the BotGentz extension framework and has an EVM-compatible wallet extension installed. The panel automatically detects the NFT collection and fetches lending rates from all supported protocols whenever you navigate to a new NFT page.

HOW TO USE

Install the extension and navigate to an NFT detail page on OpenSea. The panel will automatically detect the token and fetch lending rates from all supported protocols. The comparison is displayed with the best rate at the top, showing APR, LTV, fees, duration, and maximum loan amount for each protocol. To filter protocols, set minimum LTV and maximum APR thresholds in the configuration section. Adjust the auto-refresh interval to keep rates current, select a gas price multiplier, and enable loan history tracking. Click "Borrow from [Protocol]" on any listed protocol to initiate a loan—the tool will first approve the protocol to transfer your NFT, then send the loan transaction. Review the confirmation dialog showing loan amount, APR, duration, and fees before confirming in your wallet. Use "Refresh Rates" to manually update the comparison, "Copy Comparison" to export the data, and "Reset Settings" to clear your preferences.

MECHANISM: MULTI-PROTOCOL RATE AGGREGATION WITH REAL-TIME ON-CHAIN QUERIES

Unlike manual comparison tools that rely on outdated website scrapes or static rate tables, this extension implements a direct-on-chain rate aggregation engine that queries each lending protocol's smart contracts via eth_call to fetch current terms. The tool uses a protocol-specific ABI and address registry, dynamically loading the appropriate interfaces for each platform. For BendDAO, it queries the pool contract's getReserveData() to fetch current interest rates and available liquidity; for NFTfi, it reads the loan terms from the loan contract's getLoanTerms() function; for JPEG'd, it accesses the lending pool's current rate and LTV via the pool contract; for ParaSpace, it queries the pool's getReserveConfiguration() and getReserveData(); and for Blur Lending, it reads the current lending rates from the Blur lending contract. The aggregation engine normalizes the data across protocols into a unified format, converting variable-rate mechanisms to comparable APRs, calculating max loan amounts based on floor price and protocol LTV, and presenting liquidation thresholds as percentages. The tool also performs a liquidity check for each protocol, ensuring that the displayed loan amount is actually available to borrow. All data is refreshed at the user's configured interval, with cache cooldowns to prevent rate-limiting. The loan initiation flow uses ethers.js to encode the protocol-specific transaction data, handling the two-step process of NFT approval (setApprovalForAll or approve) followed by the loan initiation call, with gas estimation optimized using the user's selected gas multiplier.

THE PANEL

The overlay panel is fully draggable via its title bar and remembers its position per-site using GM_setValue. It snaps to the nearest edge when dragged within 40px of any screen boundary. The panel includes clear sections for NFT details (contract address, token ID, floor price, ownership status), rate comparison (sorted list of protocols with APR, LTV, fees, duration, and max loan, with best rate highlighted), configuration (protocol filter, min LTV threshold, max APR threshold, auto-refresh interval, gas multiplier, loan history toggle), and action buttons (Refresh Rates, Copy Comparison, Reset Settings). Each protocol entry includes a "Borrow" button that initiates the loan process. The comparison table color-codes rates—green for best, yellow for average, orange for high—making it easy to spot the optimal deal. Pressing Escape temporarily dismisses the panel until you navigate to a new NFT page or manually reactivate via the extension toolbar button. The panel automatically refreshes its data at your configured interval, ensuring rates remain current.

PLEASE NOTE

This extension requires the free BotGentz framework extension to be installed and active. You must also have a real EVM-compatible wallet extension (such as MetaMask, WalletConnect, Coinbase Wallet, or Rabby) already installed in your browser—the overlay uses your wallet's RPC provider to make eth_call requests and to sign transactions. This tool works exclusively with Ethereum Virtual Machine chains including Ethereum mainnet, Polygon, Arbitrum, Optimism, and Base (protocol support may vary by chain). Borrowing against your NFT involves locking it as collateral—ensure you understand the risks including liquidation if the loan is not repaid or if the NFT value drops. The tool cannot detect NFT liquidity or "blue chip" status beyond on-chain floor price; cannot predict changes in interest rates or LTV ratios that occur between read and transaction execution (rates may update in the time between display and confirmation); cannot guarantee that the displayed loan terms are still available at the time of transaction submission; does not support protocols that require off-chain credit scoring or manual underwriting; cannot verify the security or audit status of lending protocols; and does not support non-EVM chains or lending protocols on alternative networks. No private keys, wallet balances, browsing history, or NFT ownership data are ever collected, transmitted, or stored—all blockchain reads and writes are performed directly from your local wallet RPC provider to public blockchain nodes. Always verify the protocol address and loan terms independently before approving any transaction.