1’000 Registered Users in SmartCredit.io
SmartCredit.io has now 1’000 registered users! We keep building!
DeFi
Fixed interest rate vs. Fluctuating interest rate
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.
Crypto Fixed Income and SmartCredit.io
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.
Why do we need a crypto credit score in DeFi?
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.
Can DeFi scale to real finance? What is missing?
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
The Self-Reinforcing SmartCredit.io DeFi Lending Ecosystem
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
SmartCredit.io DeFi lending in the ETH mainnet
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.
Why is DAI Interest Rate 10% in DeFi?
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,
Blockchain based Financial System – Are we ready?
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
SmartCredit.io Newsletter No. 2
SmartCredit.io newsletter has a simple mission: “The Bitcoin whitepaper defined the base money for the Internet. SmartCredit.io defines the credit-money for the Internet.” In the
SmartCredit.io Newsletter No. 1
SmartCredit.io is a Swiss-based project launched by veterans in the cryptocurrency, finance, technology and artificial intelligence fields.
