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Our Token

SMARTCREDIT is the native utility token of SmartCredit.io. Used for staking, governance, fee discounts, and rewards distribution across the protocol.

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SMARTCREDIT is an ERC-20 utility token on Ethereum. It is used to distribute bonus rewards to borrowers and lenders, staking rewards to holders, and to fund marketing and ecosystem development. A fixed inflation schedule governs new token issuance each year.

Contract address: 0x72e9d9038ce484ee986fea183f8d8df93f9ada13

Listings

The plan for 4.11.2025–4.11.2026

Planned Statistics:

  • Circulating tokens at 4.11.2025: 2,810,584
  • Circulating tokens on 4.11.2026: 3,279,222

Planned Usage:

  • Bonus Rewards for the Borrowers and Lenders on Ethereum - 5,137 tokens per week, 267,139 tokens per year, 9.5% inflation
  • Staking rewards for the Holders - 2,703 tokens per week, 140,529 tokens per year, 5.00% inflation
  • Marketing tokens - 14,053 tokens annually, 0.50% inflation
  • Team tokens - 46,872 tokens, to be allocated at 4.11.2026
  • Inflation per year - 16.67%

The plan for 4.11.2024–4.11.2025

Planned Statistics:

  • Circulating tokens at 4.11.2024: 2,409,072
  • Circulating tokens on 4.11.2025: 2,810,584

Planned Usage:

  • Bonus Rewards for the Borrowers and Lenders on Ethereum - 4,401 tokens per week, 228,862 tokens per year, 9.5% inflation
  • Staking rewards for the Holders - 2,316 tokens per week, 120,454 tokens per year, 5.00% inflation
  • Marketing tokens - 12,045 tokens annually, 0.50% inflation
  • Team tokens - 40,151 tokens, 10% of the annualized inflation, to be allocated at 4.11.2025
  • Inflation per year - 16.67%

Token usage 4.11.2023–4.11.2024

Summary:

  • Circulating tokens on 4.11.2023: 2,063,936
  • Circulating tokens on 4.11.2024: 2,409,072

Statistics:

  • Bonus Rewards for the Borrowers and Lenders on Ethereum - 3,771 tokens per week, 196,074 tokens per year, 9.50% inflation
  • Staking rewards for the Holders - 2,004 tokens per week, 104,229 tokens per year, 5.05% inflation
  • Marketing tokens - 10,320 tokens annually, 0.50% inflation
  • Team tokens - 34,514 tokens, 10% of the annualized inflation, to be allocated at 4.11.2024
  • Inflation per year - 16.72%

Token usage 4.11.2022–4.11.2023

Statistics:

  • Circulating tokens at 4.11.2022: 1,931,965

  • Circulating tokens on 4.11.2023: 2,065,070

  • Bonus Rewards for the Borrowers and Lenders on Ethereum - 3,158 tokens per week, 164,217 tokens per year, 8.5% inflation

  • Staking rewards for the Holders - 2,415 tokens per week, 125,578 tokens per year, 6.5% inflation
  • Integrator Bonus Rewards - 14,490 tokens annually, 0.75% inflation
  • Marketing tokens - 14,490 tokens annually, 0.75% inflation
  • Team tokens - 13,197 tokens, 10% of the annualized inflation, to be allocated at 4.11.2023
  • Liquidity adjustments - -200,000 tokens, -10.4% annual inflation
  • Inflation per year - 6.8%

Initially, planned inflation was 28.9% per year. Due to the crypto winter, we suppressed the inflation, resulting in a 6.8% annual inflation.

Tokens usage 4.11.2021–4.11.2022

Statistics:

  • Circulating tokens at 4.11.2021: 1,511,381
  • Circulating tokens on 4.11.2022: 1,931,965

Additional tokens were used as follows:

  • Bonus Rewards for the Borrowers and Lenders - 83,665 tokens
  • Staking rewards for the Holders - 125,483 tokens
  • Integrator Bonus Rewards - 30,000 tokens
  • Marketing tokens - 90,000 tokens
  • Team tokens - 36,572 tokens, 10% of the annualized inflation, allocated at 4.11.2022
  • Unlocked treasury tokens - 54,864 tokens
  • Inflation - 27.8%

Initially, planned inflation was 36%. However, bonus and staking rewards were activated from April 2022 only; therefore, the final inflation is 27.8%.

Tokens usage 4.11.2020–4.11.2021

Statistics:

  • Circulating tokens at 4.11.2020: 1,250,000
  • Circulating tokens on 4.11.2021: 1,511,381

Additional tokens were used as follows:

  • Marketing tokens - 136,381 tokens
  • Team tokens - 125,000 tokens, 10% of the annualized inflation, allocated at 3.11.2021
  • Periods inflation - 20.9%

More Data

Etherscan: https://etherscan.io/token/0x72e9d9038ce484ee986fea183f8d8df93f9ada13

Ethplorer: https://ethplorer.io/address/0x72e9d9038ce484ee986fea183f8d8df93f9ada13

DeFiLlama: https://defillama.com/protocol/smartcredit

Dune Analytics: https://dune.com/smartcredit/smartcredit

DEXTools: https://www.dextools.io/app/ether/pair-explorer/0x6061a36ad6b7958f68129bb313e6eff81cd9113c

DappRadar: https://dappradar.com/ethereum/defi/smartcredit-io

Gecko Terminal: https://www.geckoterminal.com/eth/pools/0x6061a36ad6b7958f68129bb313e6eff81cd9113c

CoinGecko: https://www.coingecko.com/en/coins/smartcredit-token

CoinMarketCap: https://coinmarketcap.com/currencies/smartcredit-token

CryptoSlate: https://cryptoslate.com/coins/smartcredit-token/

CryptoRank: https://cryptorank.io/price/smartcredit-token

CoinRanking: https://coinranking.com/coin/0R3F4lMec+smartcredittoken-smartcredit

CoinCarp: https://www.coincarp.com/currencies/smartcredit-token/

CryptoTracker: https://cryptotracker.com/price/smartcredit-token

CoinCodex: https://coincodex.com/crypto/smartcredit-token

CoinSniper: https://coinsniper.net/coin/47890

CoinHunt: https://coinhunt.cc/coin/6460dde03d9276f784964a23

CoinAlpha: https://coinalpha.app/token/0x72e9d9038ce484ee986fea183f8d8df93f9ada13

CoinVote: https://coinvote.cc/coin/SmartCredit-Token

GemFinder: https://gemfinder.cc/gem/14140

Coindar: https://coindar.org/en/coin/smartcredit-token

ProductHunt (SmartCredit.io): https://www.producthunt.com/products/smartcredit

ProductHunt (SmartTrust.io): https://www.producthunt.com/posts/smarttrust-io

InnMind: https://app.innmind.com/viewStartup/iEwaX7EMKWkYdsPYe

Link3: https://link3.to/smartcredit

Link.Gallery: https://my.link.gallery/smartcredit

Additional info:

Further info