Risk analysis

Risk analysis of custodial and non-custodial lending platforms

We look in this article on the risk management of the custodial crypto lending platforms and of non-custodial crypto lending platforms. The aim is not to say what is right...

Capability to Borrow

What really matters for the borrower? Answer – Capability to borrow.

There are the custodian and non-custodian crypto lending platforms. The key difference between them is who controls the assets - the first ones control your crypto assets, by the second...

SmartCredit.io approach

Why are the collateralization ratios so high in DeFi Protocols?

The current collateralization ratios are ca 300% + for the DeFi borrowing/lending protocols. These ratios benefit the lenders on these platforms because over-collateralization protects their loans. However, these ratios reduce...

Follow the money

Why are DAI and USDC lending rates in DeFi at 10%

DAI and USDC lending rates on DeFi systems are around 10%. Considering the current low yield on most of the investment classes and upcoming negative interest era, we can just...

Self-reinforcing-ecosystem

The Self-Reinforcing SmartCredit.io Ecosystem

Our aim in SmartCredit.io is to create a self-reinforcing crypto lending/borrowing platform. Sounds easy, but how to achieve this? There are three key components of the SmartCredit.io ecosystem. The interplay...

SmartCredit.io - One Pager

Interview with Bull.io

Here is an interview with Bull.io from June 2019 from Bristol, UK: Here is the transcript:   Thank you for agreeing to be interviewed. If you can tell us your...

Where is the credit-money in the crypto sphere?

Conference presentation – crypto credit-money – why do we need it?

We were presenting at the Blockercon Conference in Bristol (https://blockercon.com) in June 2019 about our favorite topic - Crypto Credit-Money - Why do we need it? Here are the Slideshare...

Where is the credit-money in the crypto sphere?

Pitch at Paris Blockchain Week

Here is our pitch — 3 minutes and 40 seconds — from the Paris Blockchain Week. Enjoy!  Here is the transcript: So, we are in the lending business, in the credit business, in...

Programmable Elastic Crypto Credit Money

Lecture – HWZ Zürich, Deep Dive SmartCredit.io

We were hounoured to give a deep dive lecture at the HWZ Zürich Blockchain course (https://fh-hwz.ch/produkt/cas-blockchain-economy/) Here are our slides: About the monetary systems and the credit-money About SmartCredit.io (https://smartcredit.io)...

Where is the credit-money in the crypto sphere?

SmartCredit.io Pilot Demo

SmartCredit.io Pilot is available and everyone can use it now. One-Pager Here is a one-slider what we are doing - others offer decentral marketplaces, borrowers and lenders meet there and...