Takara

Lending

Takara is a fast, mobile-friendly decentralized lending and borrowing protocol built on the Sei blockchain, offering simple, non-custodial access to DeFi for users worldwide. With a focus on accessibility, speed, and security, Takara empowers users to unlock the value of their assets through an intuitive and transparent onchain experience.

Risk Rating
Average
Protocol Code Quality
Protocol Maturity
Protocol Design
What is Takara?
What we like
Takara combines lightning-fast, low-cost lending and borrowing with an intuitive, mobile-first design. Its non-custodial architecture ensures full asset ownership and transparency.
What we like less
The protocol is governed by a multisig that requires fewer than 4 signatures, which introduces centralization risk. The platform is also limited to the Sei ecosystem, which may constrain liquidity and adoption.
What it means for you
Takara offers an easy way to earn or borrow on-chain while maintaining custody of your assets, but users should monitor liquidation risks and be aware of Sei-specific limitations.

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Information
Exploit/Hacks
None
Info
Key Metrics
  • TVL: $51.8M (Rank #133)
  • TVL Ranking by Lending: #27
  • Blockchain: Sei, Sei
  • Chain TVL
    • Sei: $54.84M
    • Sei: $51.77M
Risk Assessment
Average
Protocol Code Quality
  • Code reviewed by several experienced auditors; Zellic and PeckShield
  • Public team promotes accountability
  • No documented protocol hacks since launch
Protocol Maturity
  • Latest protocol version launched in 2025; maturity less than six months increases technical risk as smart contracts are less battle-tested
  • Top 10% by total value locked reduces risk
  • Multisig wallet controls protocol upgrades
  • Multisig consists of less than 4 signers, which makes the protocol more susceptible to centralization risks
  • No governance token and/or contracts are fully immutable
Protocol Design
  • Robust controls to mitigate oracle price manipulation
  • Isolated markets enable asset risks to be contained to each individual pool without impacting the entire protocol
  • Solid controls in place to prevent risky borrowing
  • Solid mechanisms in place to ensure healthy liquidations
  • Robust methods to accrue protocol reserves
Things to know about Takara

What is Takara

Takara is a decentralized money market protocol built natively on the Sei blockchain, designed to simplify lending and borrowing through a user-friendly, non-custodial interface. It takes advantage of Sei’s high throughput and parallel transaction execution to offer fast, low-fee interactions. Takara is optimized for mobile users and aims to bridge on-chain finance with real-world applications.

How Takara makes money

Takara earns revenue through its Reserve Factor, which takes a percentage of interest paid by borrowers and allocates it to the protocol's reserves. These reserves support the system’s long-term stability and buffer against volatility. For example, if a borrower pays 10% interest and the Reserve Factor is 20%, then 2% of that goes to Takara’s reserve pool.

How you make money on Takara

As a lender, you supply assets to the protocol and earn a portion of the interest paid by borrowers, minus the reserve cut. Your yield depends on borrow demand and is distributed proportionally across all suppliers. You retain full custody of your assets and can withdraw at any time, subject to liquidity availability and market conditions.

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