Our Story

Imagine a world where citizens of capital-exporting countries can easily offer their surplus capital to people who need it, and citizens of capital-importing countries can more easily access capital to turn their dreams into reality.

Take back
control over your

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.

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.

Highly skilled team worldwide

With more than ten years of banking experience, we have excellent banking know-how.

We know decentralized finance and blockchain technology. Our CEO Martin Ploom, CTO Tarmo Ploom, and some other authors published a book about blockchain technology.


The SmartCredit.io team created a user-friendly platform
to leverage your assets like a banker.

martin ploom - ceo

Martin Ploom


Former VP Credit Suisse Zürich, Switzerland. Before Credit Suisse, he launched 4 successful products with 250,000+ users. He is an MBA, CFA, and Dipl. Inf.

Tarmo Ploom


Former Chief-Architect Finnova Banking Platform, Former VP Credit Suisse Global Architecture. He is a Ph.D., MBA, CFA, and CAIA

Extend your knowledge

Find out more about SmartCredit.io.

Business overview

Get general information about SmartCredit.io and our business model via this PDF file.

Company blog

For the latest announcements and business-related posts, visit our Medium profile.


We created dedicated documentation and tutorials for our application.

Our Blog

Read the latest blog articles.