Borrowers

You can borrow ether or stablecoins with a maximum collateral of 60 percent. No more overcollateralized borrowing! 

Lenders

You remain liquid. The newly minted Smart Money tokens, backed up by the loan agreement, are distributed to the lender.

As a lender, you can use the newly minted crypto-credit money to pay third parties. In turn, they are able to pay further parties, who can then do the same. So, you can lend your ether while maintaining liquidity.

All SmartCredit.io loans are principal-protected. The insurance steps in if the borrower doesn’t pay.

All loans are based on legally enforceable, peer-to-peer loan agreements. The insurance will initiate legal proceedings against non-performing borrowers.

Online Buyers

As an online buyer, you can use SmartCredit.io to buy on crypto-credit – without the credit card companies. We cut out and disintermediate the middlemen.

Online Merchants

As an online merchant, you can lend to your buyers at your own conditions. You are able to sell on crypto-credit without involving any credit card intermediaries.

As a merchant, you maintain liquidity after lending. You can use freshly minted crypto-credit money to pay third parties, who in turn can pay further parties and so on.

Compared to our Competition

The first generation of our competitors use overcollateralized lending: “I’ll lend you 100 tokens, if you give me 150 tokens as collateral.” Why should you accept this?

The second generation of our competitors use overcollateralization with margin calls: “I’ll lend you 100%, if you give me 150% collateral, but I’ll sell your collateral if collateral price to loan value declines to 110%”. This works fine until the first collateral firesale…

The solution is SmartCredit.io – we offer you:

• Partially collateralized lending (max. 60%)
• All loans are insured by mandatory principal protection
• Automated AI-based credit scoring for all users
• Legally enforceable peer-to-peer loan agreements
• Online merchant integration
• Newly minted crypto-credit money – Smart Money tokens – are distributed to the lenders. Smart Money tokens are principal-protected. Lenders can use them to pay third parties, who can continue to use the tokens for payments.