Roadmap to crypto fixed income markets

Compound and Roadmap to Crypto Fixed Income Markets

Traditional fixed income markets have emerged in the last 350 years with: 19 trillion USD base money (central banking created money – M0 money) 36 trillion USD narrow money (M1 money)...

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 investment classes and upcoming negative interest era, we can just say that...

Capability to Borrow

What matters for the borrower? 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...

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 non-custodial crypto lending platforms. The aim is not to say what is right or...

Monetary systems classification

Crypto credit-money - Will this time be different?

In the previous article, we looked at the two dimensions of money — base-money and credit-money. We also looked at the different kind of monetary systems that existed in the last 5’000...