DeFi lending today is based on pooling, fluctuating interest rates, and variable loan terms. SmartCredit.io argues it’s time to move to fixed-term, fixed-interest loans — just as traditional finance did, where fixed income funds are 10x larger than money-market funds.
The traditional Fixed Income market is 5–10 times bigger than the global equity market, yet in crypto, fixed income is 5–10 times smaller. SmartCredit.io addresses this with fixed-rate, fixed-term, peer-to-peer DeFi lending.
DeFi is anonymous — there’s no way to separate good borrowers from bad ones, resulting in very high collateral requirements for everyone. A crypto credit score changes that, giving better conditions to borrowers who choose to share their data.
DeFi has done major steps in the last 6 months, but can the DeFi scale to real finance? What should be added to DeFi to
SmartCredit.io’s vision is to create a self-reinforcing DeFi lending platform. The first version of our non-custodial crypto lending platform available in the Ethereum main-net. SmartCredit.io’s vision
We are now in the mainnet with our DeFi crypto lending product. Fixed interest rate, fixed term — with 2x smaller collateral requirements than other DeFi platforms.
How will crypto and the Blockchain impact banks, what will happen to the banks in the future, will cryptocurrency replace banks? Let’s find out! Many
Blockchain technology in banking will bring changes to client value networks. This article focuses on the following: How does Blockchain affect financial services? New alternative
DAI interest rate is around 10% in DeFi. Considering the current low yield on most of the investment classes and the upcoming negative interest era,
We wrote lately an analysis asking ”Is the Blockchain-based alternate financial system ready to be used?” Here is the summary of this article. Where are
Fiat versus Bitcoin – which one is better? Our current monetary system is a fiat money monetary system. Central banks are creating the base-money and
