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.

martin ploom cryptofin

Take back control over your money!

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.

Christoph Bell

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 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
Tarmo Ploom

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