Application

SmartCredit.io

AI-driven self-custodial neobank. Fixed-term/fixed-interest loans, personal fixed income funds, AI-driven portfolio optimization, investment funds, liquidation protection, and DeFi rate analytics.

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Key Takeaways

  • SmartCredit.io is an AI-driven self-custodial neobank with 20,000+ registered users, offering fixed-term borrowing, P2P lending, portfolio optimization, and DeFi rate analytics.
  • Fixed-term loans run 11-180 days at a locked interest rate; lenders earn through Personal Fixed Income Funds with no platform fee charged to them.
  • The platform has no bank-run risk - unlike Aave or Compound, lenders cannot withdraw funds committed to active fixed-term loans.
  • AI tools include Markowitz portfolio optimization, liquidation protection for Aave V3 positions, and a Portfolio MCP server for Claude and other AI agents.
  • SMARTCREDIT token holders earn staking rewards and bonus yields; integration partners earn 50% of platform fees in perpetuity.

SmartCredit.io is an AI-driven self-custodial neobank. SmartCredit.io has 20'000 registered users.

Platform offers:

SmartCredit.io focus is on offering self-custodial solutions which are regulatory compliant. See more in the Regulations.

SmartCredit.io does not have bank-run risks like Aave, Compound, or other money-market-based lending systems.

The Vision of SmartCredit.io is to offer all the financial services that traditional banks offer. However, self-custodial.

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Further info