# SmartCredit.io

> SmartCredit.io — AI-driven self-custodial DeFi neobank. Fixed-term fixed-rate borrowing and lending, AI portfolio optimization, investment funds, and liquidation protection for Aave V3. 20,000+ registered users on Ethereum mainnet.

- [SmartCredit.io](https://smartcredit.io/): AI-driven self-custodial DeFi neobank. Fixed-term fixed-rate borrowing and lending, AI portfolio optimization, investment funds, and liquidation protection for Aave V3. 20,000+ registered users on Ethereum mainnet.

## App
- [Borrow](https://smartcredit.io/borrow): fixed-term, fixed-rate collateralized DeFi loans (11-180 days). No variable-rate risk, no bank-run risk. Supported collateral includes ETH, WBTC, USDC, DAI. Interest rate locked at origination.
- [Lend](https://smartcredit.io/lend): Personal Fixed Income Funds with fixed-term, fixed-rate returns. Loss provision safeguards protect principal. Deploy capital for 11-180 days at a guaranteed rate. No impermanent loss.
- [Investment Funds](https://smartcredit.io/invest): structured crypto portfolio products with automatic rebalancing. AI-optimized fund selection across categories. Fixed-rate leveraged Lido staking for ETH yield enhancement.
- [Portfolio](https://smartcredit.io/portfolio): AI chat-based Markowitz-optimized portfolio recommendations by crypto category. Sharpe ratio and volatility charts with 5-year historical simulation. Broad and category-based portfolio modes.
- [Compare Historical Rates](https://smartcredit.io/compareInterestRates): side-by-side comparison of historical borrowing rates across Aave, Compound, MakerDAO, and SmartCredit. 5-year data. Shows fixed vs variable rate behaviour by market cycle.
- [Earn](https://smartcredit.io/earn): overview of earning opportunities on SmartCredit: fixed-rate lending, SMARTCREDIT token staking, referral rewards, and affiliate programs.
- [Stake SMARTCREDIT](https://smartcredit.io/stake): stake the SMARTCREDIT token for bonus rewards, gasless re-staking, fee discounts, and governance participation. Lock periods from flexible to long-term.
- [Rewards](https://smartcredit.io/rewards): SMARTCREDIT token reward programs, bonus pools, integrator incentives, and staking multipliers.
- [Protection Agent](https://smartcredit.io/protection-agent): AI liquidation risk monitor for Aave V3 borrower positions on Ethereum mainnet. Computes real-time liquidation probability using a log-normal volatility model. Sends Telegram alerts before liquidation threshold is reached.

## Developer
- [SmartCredit MCP Server](https://mcp.smartcredit.io/web3-borrow-lend-mcp): hosted Model Context Protocol server (Streamable HTTP, MCP spec 2025-03-26). Tool: get_liquidation_risk — evaluates Aave V3 borrower liquidation risk with live on-chain data, z-score probability, per-asset price thresholds, and stress scenarios. Public, no authentication required.
- [SmartCredit Docs](https://smartcredit.io/learn/): full documentation covering borrowing, lending, investment funds, portfolio optimization, staking, rewards, security, regulations, roadmap, and SDK integration.

## Company
- [About SmartCredit.io](https://smartcredit.io/about-us/): AI-driven self-custodial DeFi neobank. Mission, team, and background.
- [SmartCredit Partners](https://smartcredit.io/partners/): ecosystem integrations and protocol partnerships.
- [SmartCredit Careers](https://smartcredit.io/careers/): open positions at SmartCredit.io.
- [SmartCredit Support](https://smartcredit.io/support): documentation, contact, and help resources.

## See Also

- [Blog](https://smartcredit.io/blog/llms.txt): DeFi lending guides, fixed-rate borrowing strategies, token staking, portfolio optimization, and SmartCredit product updates.
- [Learn Docs](https://smartcredit.io/learn/llms.txt): full documentation for borrowing, lending, investment funds, portfolio optimization, staking, rewards, security, and SDK integration.
- [web3-borrow-lend-mcp (GitHub)](https://github.com/SmartCredit-io/web3-borrow-lend-mcp): open-source MCP server for Aave V3 liquidation risk intelligence. 2 tools: get_liquidation_risk, check_api_health. Includes 6 ready-made Claude Code subagents. Streamable HTTP. Public, no auth required. MIT licensed.
- [web3-borrow-lend-mcp llms.txt](https://raw.githubusercontent.com/SmartCredit-io/web3-borrow-lend-mcp/main/llms.txt): full MCP tool schemas, risk tiers, subagent definitions, and integration guides.
- [examples (GitHub)](https://github.com/SmartCredit-io/examples): Python agent examples using the SmartCredit MCP with Claude. Covers liquidation monitoring, health checks, portfolio scanning, risk reporting, and stress testing. MIT licensed.
- [examples llms.txt](https://raw.githubusercontent.com/SmartCredit-io/examples/main/llms.txt): full tool schemas, agent patterns, shared helper internals, Aave positions fetcher, and setup instructions.