Earn interest or borrow
crypto in two minutes
Earn interest on your assets or get a loan to meet your needs without intermediaries in a secure way with our platform.
- Receive your fund within minutes
- Fixed-term loans, low collateral ratios for borrowers and lenders
- Great and supportive community
Trusted by industry leaders




Features
connects lenders and borrowers without intermediaries.
Crypto Fixed Income Funds
Crypto Loans
Staking
Staking rewards are offered to the SMARTCREDIT holders. Earn weekly rewards by staking your tokens.
AI-based Transaction Monitoring
As part of our platform’s fraud prevention and marketplace security measures, we track each transaction with the power of AI.

Welcome to the future of finance!
SmartCredit.io is the fastest way to get involved with decentralized finance. From the application home screen, six clicks are all it takes to start earning interest or create a loan request.
SmartCredit.io’s decentralized peer-to-peer global lending marketplace connects lenders and borrowers without intermediaries. Lenders offer their funds, and borrowers borrow the funds on the global marketplace. You can borrow or lend.
Our co-founders, Martin Ploom and Tarmo Ploom, are CFAs (Chartered Financial Analysts), and both worked for ten years as vice presidents for Credit Suisse in Zurich, Switzerland.

Latest Announcements
Check out the latest company news from our Medium blog.

AI-based Crypto Transcations Monitoring for CeFi and DeFi companies launched!
SmartCredit.io is excited to launch AI-based Crypto Transactions Monitoring for CeFi and DeFi companies!
Mar 10, 2023 / Read More

AI-based Crypto Fraud Score Launched!
SmartCredit.io is excited to announce the launch of a free Predictive AI-based Crypto Fraud Score!
Feb 04, 2023 / Read More

SmartCredit.io has 20'000 registered users!
We are excited to announce that SmartCredit.io now has 20'000 registered users!
Jan 30, 2023 / Read More
Our Blog
Read the latest blog articles.