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. 

Partners & Listings

Along with our DeFi lending platform with a low collateral ratio for the borrowers and personal fixed-income funds for the lenders we're continuously integrating our innovation with the future oriented companies.

martin ploom cryptofin
Martin Ploom (CEO) at the CryptoFin Conference

What we're doing

The SmartCredit team created an user friendly platform to leverage your assets like a banker. You can get or provide crypto loans within 3 minutes. Use our platform to put your assets to work for you or get loan to meet your needs. Basically SmartCredit.io is a platform which gives opportunity to earn fixed interest and get crypto loans instantly.


If you want to get crypto loan or earn interest on your crypto, you will fall in love with SmartCredit.io.

Borrow & Lend Crypto

Stablecoins and ETH. Get crypto loans within 3 minutes or start earning interest

Personal Fixed Income Fund

Not money market fund, but Fixed Income Fund. Swiss style solution for your assets

Low Collateral Ratio

Lowest Collateral Ratio in the industry for crypto loans.

Crypto Credit Score

You can improve your interest and collateral requirements via Credit Scoring

Fixed Interest Rate

No fluctuating interest rate for the borrowers or lenders. We're protecting your assets and income

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

Daniel Burgwinkel

Daniel Burgwinkel, Ph.D.

Blockchain Business Model Advisor

Christoph Bell

Christoph Bell

Legal Partner