Crypto Loans; Low collateral, Transferable, Tokenized
Our mission is to create the first decentralized system of
crypto-credit money in the world, empowering people
to take back control over their own money – without
the commercial banks and fees.

How it Works

We are the only ones, who add something very essential – it’s the transferability of the credit.

Decentralized Marketplace

  • We offer peer-to-peer lending/borrowing of ether and stablecoins.
  • You control your assets – we are non-custodial marketplace

Low Collateral for the Borrowers

  • Credit risk is managed through a combination of collateral, loss provisions, legal enforcement, credit scoring, and additional methods

Transferability of Loans for the Lenders

  • The lender will receive Credit-Coins for every loan.
  • The lender can use Credit-Coins to pay third parties.
  • Third parties can pay other parties with the Credit-Coins.
  • Interest and principal are paid to the Credit-Coin holders at the loan expiration.

Passive Income for Passive Investors

  • The passive investor can define his investment rules for his private fixed income fund.
  • The passive investor can relax – this fund invests as an automated investment engine.

Tokenization of Loans for the Lenders

  • Loan agreements are tokenized into freshly minted ERC20 Credit-Coins.
  • Credit-Coins are interest-bearing and transferable.
  • Credit-Coins are value protected with the collateral and loss provisions fund.

Automated Crypto Credit Scoring

All borrowers will be ranked via:

  • Analytics of borrowers social media profiles.
  • Analytics of borrowers blockchain history.
  • Psychometric analysis.
  • Good Credit Score results in better collateral requirements

Mentions

We are kinda popular.

disruptordaily

Blockchain In Lending: 30 Startups To Watch In 2019

Disruptordaily.com

hackernoon

Will there be credit-money in the crypto sphere?

Hackernoon.com

disruptordaily

What Are The Top Challenges To Blockchain Adoption In Lending? 13 Experts Share Their Insights

Disruptordaily.com

hackernoon

Crypto credit money — Will this time be different?

Hackernoon.com

bull-io

Crypto Way to Take back control over your money!

Bull.io

disruptordaily

Blockchain In Lending Use Case #6: SmartCredit.io

Disruptordaily.com

disruptordaily

What Is The Future Of Blockchain In Lending? 13 Experts Share Their Insights

Disruptordaily.com

Benefits

Smartcredit is for everyone..

  • Low Collateral Requirements
  • Higher capability to borrow than other platforms
  • Monetize your data via credit rating – earn better collateral and interest requirements via good credit rating
  • 2-Click Consumer Credit
  • The freshly minted Credit-Coins (ccETH, ccDAI), which represent the underlying loan agreement, are distributed to the lender
  • Transferability of the credit – lenders will keep their liquidity after lending out their funds (ccETH, ccDAI)
  • Lenders can use their ccETH and ccDAI to pay third parties
  • All loans are protected via collateral and loss provisions fund
  • Earn passive income via the “private fixed income funds”, which invest based on the pre-defined rules
  • Receive the pro-rata interest and principal payments for ccETH and ccDAI
  • Pay next parties with the Credit-Coins 
  • Integrate our non-custodial ”Credit As A Service” API
  • Earn revenues from the loan origination – monetize your user basis
  • 2017 October — Concept
  • 2017 December — Whitepaper
  • 2018 March — Prototype
  • 2018 May — Pilot Phase I
  • 2018 September — Pilot Phase II
  • 2019 January — Pilot Phase III
  • 2019 April — Registration and Public Pilot
  • 2020 March — Launch
  • 2020 Q3 — Launch Cross-Chain Collateral
  • After 10’000 Registrations — IEO

Roadmap

Here is how our roadmap looks like.

Meet the Team

Here is our team:

Martin Ploom

Martin Ploom

Co-Founder & CEO

Tarmo Ploom

Tarmo Ploom

Co-Founder & CTO

Başak Burcu Yiğit

Başak Burcu Yiğit

Marketing & Business Development

Bodo Naef

Bodo Naef, Ph.D.

Banking Expert

Chris Bell

Christoph Bell

Legal Partner

Marc Lauper

Marc Lauper

Chief Creative Officer

Advisors

Here are our advisors:

Jon Matonis

Jon Matonis

Advisor

Daniel Burgwinkel

Daniel Burgwinkel, Ph.D.

Blockchain Business Model Advisor

Asse Sauga

Asse Sauga

Advisor

Daniel Mischler

Daniel Mischler

Advisor

Alexis Sheikh

Alexis Sheikh

Advisor

Norbert Perrot

Norbert Perrot

Credit Risk Models Advisor

FAQ

The market launch will be in 2020 February.

Creditors from any country may use SmartCredit.io. However, borrowers should be from countries in which SmartCredit.io is officially launched.

Yes.

Our intention is to make SmartCredit.io a truly global platform. All major world languages will eventually be supported.

Ether and ERC20 Ethereum tokens. When other smart contract platforms become popular, we will add support for them, too.

Our first release supports the desktop Chrome browser with Metamask. In subsequent releases, additional browsers and mobile platforms will be introduced.

250 million SmartCredit.io tokens will be minted:
80% are allocated for the ICO.
20% are allocated for long-term partners, advisors and the incentive package.

USD 1 million

USD 10 million

Got Questions?

Please use contact form to reach us, we will answer as soon as possible.