About Us

Take back control over your money!

SmartCredit.io is developing a decentralized peer-to-peer global lending marketplace by connecting lenders and borrowers without intermediaries. Lenders can offer their funds and borrowers borrow the funds on the global marketplace. Our Co-Founders Martin Ploom and Tarmo Ploom are CFA’s (Chartered Financial Analysts) and both of them worked 10 years as Vice Presidents for Credit-Suisse in Zurich, Switzerland.

Imagine a world, where citizens of capital-exporting countries can easily offer their surplus capital to people who need it, where citizens of capital-importing countries can more easily access capital to turn their dreams into reality, where decentralized credit can be offered peer to peer from one global citizen to another without intermediaries or high service fees – all in an instantaneous manner. Imagine a world, where the principal value of created claims is protected and where claims are used as interest-bearing money.

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finance estonia logo
ae ventures logo
crypto valley logo
blockrocket logo
chain accelerator logo

What is SmartCredit.io

The SmartCredit.io vision is to provide the key components of the alternate blockchain-based financial system - the crypto lending/borrowing, the fixed income funds and the integrations.

Borrow/Lend Stablecoins and Ethereum

Borrow and Lend

Fixed Income Fund

Not money market fund, but Fixed Income Fund

Low Collateral Ratio

Lowest Collateral Ratio in the industry

Credit Score

You can improve your interest and collateral requirements via Credit Scoring

Fixed Interest

No fluctuating interest rate for the borrowers or lenders

Fixed Term

Fixed-term loans for the borrowers and lenders - that’s how we reduce the collateral ratio


Ex Credit Suisse Seniors with an inside-out banking understanding

martin ploom

Martin Ploom

Co-Founder & CEO

Ex 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

Tarmo Ploom

Co-Founder & CTO

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

basak burcu yiğit

Basak Burcu Yigit

Business Development & Marketing Manager

Basak worked in the past for several blockchain startups. She is also co-founder of one of the biggest blockchain communities in Turkey called Istanbul Blockchain Women

Daniel Burgwinkel

Daniel Burgwinkel, Ph.D.

Blockchain Business Model Advisor

Christoph Bell

Christoph Bell

Legal Partner