Welcome! ProductHunters

SmartCredit.io is a decentral 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!


Approvement guarantee within 24 hours!

Create your loan request via SmartCredit.io and receive your funds within 24 hours.

What we're doing

The SmartCredit team created an user friendly platform to leverage your assets like a banker. You can get or provide crypto loans within 3 minutes. Use our platform to put your assets to work for you or get loan to meet your needs. Basically SmartCredit.io is a platform which gives opportunity to earn fixed interest and get crypto loans instantly.

How crypto loan works?

Imagine a platform where you can take a cryptocurrency loan as a borrower or provide it as a lender. The borrowers submit their loan requests and secure them with the crypto collateral. The lenders accept the loan requests either manually or via automated processing, and they provide the funds to the borrowers. If the borrower is not paying, then the collateral will get liquidated. If the collateral value is sinking too much, then the collateral is liquidated too. That’s are practically crypto loans.

Step 1

Submit Loan Request

Borrower will submit his fixed-term loan request

Step 2

Transfer Collateral

Borrower will transfer collateral into his loan request smart contract

Step 3

Lender Accepts

Active Lender or a Personal Fixed Income Fund will send funds to the Loan Contract, which transfers funds to the Borrower

Step 4

Borrower Gets Loan

Borrower receives his collateral back after he pays his loan


If you want to get crypto loan or earn interest on your crypto, you will fall in love with SmartCredit.io.

Borrow & Lend Crypto

Stablecoins and ETH. Get crypto loans within 3 minutes or start earning interest

Personal Fixed Income Fund

Not money market fund, but Fixed Income Fund. Swiss style solution for your assets

Low Collateral Ratio

Lowest Collateral Ratio in the industry for crypto loans.

Crypto Credit Score

You can improve your interest and collateral requirements via Credit Scoring

Fixed Interest Rate

No fluctuating interest rate for the borrowers or lenders. We're protecting your assets and income

Fixed Term

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

Partners & Listings

Along with our DeFi lending platform with a low collateral ratio for the borrowers and personal fixed-income funds for the lenders we're continuously integrating our innovation with the future oriented companies.


  1. Borrowers will have a much lower collateral ratio than other platforms (for example Compound and Aave money-market funds)
  2. Borrowers will have a wide choice of collateral
  3. Borrowers will have a fixed interest rate, there is no danger of fluctuating interest rates (for example entering a loan contract with a low-interest rate and seeing how the interest rate will explode)
  1. Lenders will earn fixed interest instead of fluctuating interest (like it is in Compound and Aave money-market funds)
  2. As SmartCredit.io is focussing very much on the borrowers, then there is always a demand for the new loans. This means the lender’s money is continuously working and not idle. This means better interest to the lender
  3. Lenders receive Credit-Coins (ccDAI, ccETH), which represent the underlying credit contracts. Lenders can use these Credit-Coins to pay next parties
  4. Lenders can earn easily Passive Income – they can set up their Personal Fixed Income Funds, which are investing fully automated
  1. Merchants can sell their products on credit to their clients, they just need to integrate SmartCredit.io widgets
  2. Clients would earn the merchandise and Merchant would receive the Credit-Coins (ccDAI, ccETH, …), which represent the underlying loans
  3. Merchant will be liquid with the Credit-Coins, he can submit them into the conversion orders in the order book, where the Personal Fixed Income Funds will pick it up and will return ETH or DAI to the merchants.
  4. When Merchant will use traditional credit-cards, then his total costs can be up to 5% (transaction fees + VISA is returning the funds with a big delay). When Merchant is using SmartCredit.io, then his total costs will be perhaps 1% – 1.5%. This means Merchant will just earn more profit.
  • The lender can accept borrower’s loan requests via the SmartCredit.io application. He will transfer the funds to the borrower. The borrower’s collateral will be held in the smart contracts until the end of the loan term.
  • At the end of the loan, the lender will receive the principal and interest payments from the borrower
  • If the borrower is not paying, then the borrower’s collateral will be liquidated and the proceeds will be used to pay the principal plus interest to the lender
  • If collateral liquidation proceeds are not enough, then the loss provision fund will jump in and will fill the gap
  • The lender can define as well a Personal Fixed Income Fund – if he does this, then the all lending process will be automated for the lender. This means the lender will earn passive income on his assets

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