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.
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.
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.
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.