crypto loans

Ethereum Loan

Submit your crypto loan request with three easy steps.


Fill out a simple loan request form

Choose total loan amount, term, and the collateral.


Connect Metamask wallet

We're a non-custodial platform, so you have to log in with your own wallet. After connection, you will need to transfer the collateral.



You will receive your collateral back after you pay your loan.

Borrowing ETH with

Things to know about borrowing ETH with facilitates the peer-to-peer lending process by connecting lenders to borrowers. They provide a platform for both parties to strike a deal on a blockchain-based smart contract.

Like in the traditional system where banks and lending institutions are involved, the borrower pays the loan back on time with interest on top of the loan amount. The lender makes a profit by earning interest on the amount they lend out. Take note that:

  • There are no middlemen involved or lawyer fees to pay.
  • The programmable smart contract software self-executes and eliminates the cumbersome paperwork that often takes weeks.
  • Users access ETH loans at lower rates than from traditional sources
  • Lenders benefit by earning passive income

Benefits of Borrowing ETH Loans

Just like the benefits that blockchain technology brought into the financial industry, borrowing and lending ETH loans have two significant advantages:

  1. It makes the process of borrowing and lending better and more efficient,
  2. Ensures people who couldn’t get loans previously are included.

Crypto as Collateral

Don’t mind that your bank may not consider your crypto assets as anything of value. For DeFi lenders, cryptocurrency is collateral you can use in a straightforward process that’s more accessible than traditional systems.

Low-Interest Rates

The main reason traditional banks and lending institutions charge high interest on loan products is to support their vast budgets. ETH loans are more affordable because they only involve two parties; the borrower and lender. offers the platform that enables peer-to-peer borrowing or lending.


Unlike the process involving traditional lenders that takes weeks, blockchain technology guarantees a faster and more efficient process of obtaining ETH loans. The process can take minutes or a few hours since doesn’t involve intermediaries.


Blockchain technology ensures your personal details are hidden from all and sundry. However, all transactions are available in an immutable public ledger. All transactions are available for inspection and anyone can check and verify which transactions have taken place.

Retain your Crypto

Cryptocurrency offered as collateral for ETH leans is safe and secure. You remain the rightful owner and can continue to enjoy their value once the loan period ends.

Benefits of Lending ETH to borrowers

Idle crypto assets in your digital wallet don’t add any value to your investment. Use them instead to earn passive income by lending ETH loans to borrowers. The benefits of being an ETH loan lender include:

  • Earning a yield from your formerly static digital assets,
  • There’s always a chance to lend due to an increasing demand for new loans,
  • Your crypto assets are safe since ETH loans are over collateralized, meaning you can safely liquidate the borrower’s collateral if they fail to repay the loan.


We are always here for you.

Easy to use is the fastest way to get involved with decentralized finance. From the application home screen, six clicks are all it takes to start earning interest or create a loan request.

Dedicated Support

How can we help you? Just send a message on Telegram or email, and we will be sure to reply.

Borrowers will have a much lower collateral ratio than on other platforms (for example Compound and Aave money-market funds).

Borrowers will have a wide choice of collateral.

Borrowers will have a fixed interest rate. There is no danger of fluctuating interest rates (for example entering a loan contract with a low-interest rate and seeing the interest rate explode).

Merchants can sell their products on credit to their clients, they just need to integrate widgets.

Clients would earn the merchandise and Merchant would receive the Credit-Coins (ccDAI, ccETH, …), which represent the underlying loans.

Merchant will be liquid with the Credit-Coins, he can submit them into the conversion orders in the order book, where the Personal Fixed Income Funds will pick it up and will return ETH or DAI to the merchants.

When Merchant will use traditional credit-cards, then his total costs can be up to 5% (transaction fees + VISA is returning the funds with a big delay). When Merchant is using, then his total costs will be perhaps 1% – 1.5%. This means Merchant will just earn more profit.

People are used to the traditional financial system and they are not thinking so much about how this system is working. However, the traditional financial system has strong side effects on society (which were very visible during the Lehman crisis):

Privatizing the benefits: In traditional credit systems, the interest rates brought by the loans bring benefits to the commercial banks. In the crypto credit system that is completely P2P, Smart Credit aims to distribute the benefits among all lenders by destroying the traditional credit system where only a few actors share their benefits.

Socializing the losses: The crises caused by the centralized economic system, which reached the point of obstruction, had a negative effect on all investors, users, and providers. And the responses to these crises are socializing of the losses.

The traditional financial system is not sustainable. That’s why we need an alternate financial system. That’s why we need a blockchain-based financial system – and that’s why we created