SmartCredit.io - SmartCredit.io

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

Platform offers:

Fixed-term, fixed-interest-rate collateralized loans for the borrowers
Personal Fixed Income Funds for the lenders
Investment Funds - structured crypto portfolio products with automatic rebalancing
Categories based Portfolio - AI chat for building Markowitz-optimized portfolios by crypto category, including interest-bearing strategies
Broad Portfolio - Markowitz-optimized token weights for any number of crypto assets, with Sharpe/Volatility charts and historical simulation
Protection Agent - liquidation risk monitor for DeFi positions; alerts via Telegram before liquidation based on collateral volatility probability
Portfolio MCP - AI-powered portfolio optimization across DeFi platforms using Modern Portfolio Theory and CoinGecko categories
Compare Historical Rates - side-by-side historical borrowing rates across Aave, Compound, MakerDAO, and SmartCredit
Effective use of Collateral via the Positions Monitoring System
Fiat on-ramp/off-ramp
Borrow/Lend SDK for integrations for other wallets and platforms
Staking and Rewards for the users

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.