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...

How much is the crypto interest?

What drives the base-interest in the crypto economy and how much should it be?

In the previous article, we looked at what influences the fiat economy interest. The focus of this article is the crypto economy. We have three parts here: 1. We look...

The hidden inflation

What drives the base-interest in the fiat economy and how much should it be?

In every monetary system, there is interest - the price to be paid for using someone else money. In this article, we focus on the “base interest” - i.e. how...

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 - other's offer decentral marketplaces, borrowers and lenders meet there and...

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...

How credit money is created and destroyed

Will there be credit-money in the crypto sphere?

During presentations about money, we usually hear that money has to be durable, portable, divisible and fungible. We fully agree with this distinction. However, there is a bigger picture. Money...