Announcing the Seller Financing Protocol

Announcing the Seller Financing Protocol

A brand new primitive in DeFi for NFTs launches today!

An SDK for Financing NFT Sales has been one of the most requested features from our partners. We started exploring this in December using the HSLA lending protocol for that SDK when we realized two things:

  1. Everyone was doing the same thing.
  2. The UX for buyers to finance NFT purchases sucked

Up until now, over-collateralized loans have been retro-fitted for the financing, with lenders setting those terms as middlemen.

This means:

  1. The down payments are huge (50%+ for the down payment).
  2. Durations are short (~30 days).
  3. Interest rates are astronomical (30-60% APRs)

Why finance a purchase if you're paying up to 70% up front? What's the point?

So we went back to first principles and asked a pretty simple question:

“Can we bring a Web2 UX (like Affirm) to NFT marketplaces?”

We found the answer.  It's called Seller Financing.

Instead of massive down payments and high APRs demanded by lenders for collateralized loans, sellers can finance transactions directly. This reduces friction for buyers and overall risk in the system.

We are very excited to announce that we built a showcase marketplace powered by Reservoir to show off our new NFT financing primitive.

With Seller Finance, today, you can buy a Doodle for 20% down, and finance it for up to 3 months (with longer loans coming soon).

We are the first seller on the marketplace and we will be offering amazing terms on top the 50 NFT collections that you won't find anywhere else:

  • You only need to pay a 20% down payment (80% LTV)
  • 0% APRs
  • Financing for 1-6 months

We believe this will make buying NFTs more accessible and affordable for everyone. We are really proud of what we're launching and can't wait for you to try it out.

So, if you want to buy or sell an NFT with Seller Financing, check out what’s available at

If you’re a marketplace and want to offer Seller Financing to your users, sign up for SDK Early Access!