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.
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How it Works
We are the only ones, who add something very essential – it’s the transferability of the credit.
Mentions
We are kinda popular.
Blockchain In Lending: 30 Startups To Watch In 2019
Disruptordaily.com
Will there be credit-money in the crypto sphere?
Hackernoon.com
What Are The Top Challenges To Blockchain Adoption In Lending? 13 Experts Share Their Insights
Disruptordaily.com
Crypto credit money — Will this time be different?
Hackernoon.com
Crypto Way to Take back control over your money!
Bull.io
Blockchain In Lending Use Case #6: SmartCredit.io
Disruptordaily.com
What Is The Future Of Blockchain In Lending? 13 Experts Share Their Insights
Disruptordaily.com
Benefits
Smartcredit is for everyone..
Borrowers
- 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
Lenders
- 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
Passive Investors
- Earn passive income via the “private fixed income funds”, which invest based on the pre-defined rules
Holders
- Receive the pro-rata interest and principal payments for ccETH and ccDAI
- Pay next parties with the Credit-Coins
Other Platforms
- 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
Co-Founder & CEO
Tarmo Ploom
Co-Founder & CTO
Başak Burcu Yiğit
Marketing & Business Development
Bodo Naef, Ph.D.
Banking Expert
Christoph Bell
Legal Partner
Marc Lauper
Chief Creative Officer
Advisors
Here are our advisors:
Jon Matonis
Advisor
Daniel Burgwinkel, Ph.D.
Blockchain Business Model Advisor
Asse Sauga
Advisor
Daniel Mischler
Advisor
Alexis Sheikh
Advisor
Norbert Perrot
Credit Risk Models Advisor
FAQ
When will SmartCredit.io be released?
The market launch will be in 2020 February.
Which countries can use SmartCredit.io?
Creditors from any country may use SmartCredit.io. However, borrowers should be from countries in which SmartCredit.io is officially launched.
Is the use of cryptocurrencies required for SmartCredit.io?
Yes.
In which languages will SmartCredit.io be available?
Our intention is to make SmartCredit.io a truly global platform. All major world languages will eventually be supported.
Which cryptocurrencies do you support?
Ether and ERC20 Ethereum tokens. When other smart contract platforms become popular, we will add support for them, too.
Which platforms are supported?
Our first release supports the desktop Chrome browser with Metamask. In subsequent releases, additional browsers and mobile platforms will be introduced.
How many SmartCredit.io Tokens will be minted?
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.
Goal of Pre-Sale Phase?
USD 1 million
Goal of ICO?
USD 10 million