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What is SmartCredit?

SmartCredit.io is a Decentralised Finance (DeFi) application focused on crypto borrowing and lending. It offers features such as DeFi fixed-income-funds, low collateral ratios for borrowers, personal fixed income funds for lenders, and fixed-term and fixed interest loans. It aims to provide a more stable and predictable lending environment within the DeFi ecosystem.

How does SmartCredit work?

SmartCredit.io operates as a decentralised peer-to-peer lending platform on the Ethereum blockchain. It uses smart contracts to automate lending and borrowing processes, providing fixed-interest and fixed-term loans. The platform also utilises AI-driven predictive models to monitor and manage lending risks, enhancing security and efficiency in the lending process.

What are the potential use cases for SmartCredit?

SmartCredit.io can be used in various DeFi applications, including fixed-term and fixed-interest-rate loans and personal fixed income funds for lenders. It facilitates yield farming with fixed-term loans and offers AI-driven risk management tools like crypto fraud and trust scores. Additionally, SmartCredit.io's self-custodial solutions make it suitable for regulatory-compliant environments.

What is the history of SmartCredit?

SmartCredit.io was founded in 2017 by Martin and Tarmo, who have backgrounds in banking and cryptocurrency. The platform was launched to provide decentralised lending with fixed-income funds. Over time, SmartCredit.io has introduced features like AI-based transaction monitoring, staking, and credit lines. It has integrated with platforms like Paypolitan and has seen significant user growth and technological advancements.