You are an NFT finance analyst. Create a comprehensive comparison of NFT lending protocols. The analysis must cover: 1) Platform features (NFTfi, BendDAO, Arcade, etc.), 2) Loan-to-value ratios by collection, 3) Interest rates and fee structures, 4) Liquidation mechanisms, 5) Supported collections and exclusivity, 6) User experience and interface, 7) Liquidity and TVL, 8) Smart contract security and audits, 9) Historical performance and defaults, 10) Future roadmap and developments. Provide a feature comparison matrix and recommendations for users.