producthunt

Welcome! ProductHunters

SmartCredit.io is a licensed crypto lending/borrowing platform, which does things in a very different way - we focus on the borrower's needs, we focus on the low collateral ratio for the borrowers!

Loan approval guarantee to the first 100 borrowers

We reimburse platform service fee till October

We offer low collateral ratio for the borrowers

We are DeFi platform, we have no way to access your assets

Welcome! ProductHunters

SmartCredit.io is a licensed crypto lending/borrowing platform, which does things in a very different way – we focus on the borrower’s needs, we focus on the low collateral ratio for the borrowers!

producthunt

Loan approval/liquidity guarantee to the first 100 borrowers​

We reimburse the platform service fee till the end of October

We offer a low collateral ratio for the borrowers - you can borrow more on your assets

We are DeFi platform, we have no way to access your assets

Crypto Loans
Boost your Success

Borrow ETH or stablecoins with a low collateral ratio. Use our Credit Scoring Module and get better interest and collateral requirements. Lenders receive transferable ccTokens for their loans (ccETH, ccDAI, …) . Hodlers receive interest for the ccTokens.

Solutions

Borrowers

Borrowers have to use less collateral than on other DeFi platforms

Lenders

As SmartCredit.io focuses on the borrowers, then there are always enough loan requests in the system

Passive Investors

Passive Investors earn interest via Personal Fixed Income Funds

Holders

ccDAI and ccETH holders earn interest for their ccTokens

Other Platforms

Can integrate our Credit As A Service API and to earn loan origination revenues

About Us

SmartCredit.io vision is to provide blockchain-based decentral finance solutions. Our Co-Founders are CFA’s (Chartered Financial Analysts) and both of them worked 10 years as Vice Presidents for Credit-Suisse in Zurich, Switzerland. The company behind SmartCredit.io – DAB Foundation OÜ – is registered in Estonia and is a registered virtual currencies service provider.

Member Of

Martin Ploom

Martin Ploom

CEO & Co-Founder
Tarmo Ploom

Tarmo Ploom

CTO & Co-Founder
0
Years in Banking by Co-Founders
1 +
Visitors on Web
Years in Crypto by Co-Founders

FAQ

Our product launch is in 2020 July

Users should be from the countries where crypto usage is legally allowed

Yes, SmartCredit.io is a crypto-lending platform

Our intention is to make SmartCredit.io a truly global platform. All major world languages will eventually be supported

You can lend ETH and stablecoins. You can use wide choice of tokens as a collateral

Our first release supports the desktop Chrome browser with ca 17 different wallets (Metamask being the most popular of them)

young-smiling-business-woman-in-eyeglasses-and-3RDCAXL-1.jpg
modern-mechanics-at-work-67FVRXM.jpg
young-pretty-smiling-businesswoman-in-coat-with-2J3SG5G.jpg

Empowering People

Our Vision

Imagine a world, where citizens of capital-exporting countries can easily offer their surplus capital to people who need it, where citizens of capital-importing countries can more easily access capital to turn their dreams into reality, where decentralized credit can be offered peer to peer from one global citizen to another without intermediaries or high service fees – all in an instantaneous manner. Imagine a world, where the principal value of created claims is protected and where claims are used as interest-bearing money.

Why choose us?

Borrow/Lend Stablecoins and Ethereum

Borrow and Lend

Low Collateral Ratio

Lowest Collateral Ratios in the industry

Fixed Interest

No fluctuating interest rate for the borrowers or lenders

Loss Provision Fund

Loans are protected with collateral and Loss Provision Fund

Credit Score

You can improve your interest and collateral requirements via Credit Scoring

Fixed Term

Fixed-term loans for the borrowers and lenders - that's how we reduce the collateral ratio

Proud member of

Finance Estonia
Crypto Valley Switzerland
Blockrocket Blockchain Labs
Chain Accelerator Paris

Over $250k approved & funded the same day.