Application

How are loan requests matched?

SmartCredit.io matches borrowers loan requests with lenders fixed income funds.

There are three components in the system:

  • Borrowers define their collateralized loan requests with credit lines.
  • Lenders define their fixed-income funds (FIF) and deposit the assets.
  • SmartCredit.io is a matching engine, which matches borrowers’ loan requests with lenders’ fixed-income funds.

The matching engine is run centrally (in the future, decentrally). The matching engine cannot access client assets, but can only trigger the matching of the borrowers’ credit lines and the lenders’ fixed-income funds.

Borrowers, Leners and Matching Engine

The interest payments accumulate into the FIF's, which are then continuously matched with the new loan requests.

Tutorial videos:

Further info