SmartCredit.io
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  • SmartCredit.io
  • Fixed-term/Fixed-rate Borrowing/Lending
    • How are loan requests matched?
    • Credit Lines
    • Fixed-Income Funds
    • Fixed Loan Term
    • Fixed Interest Rate
    • Efficient use of Collateral
    • Positions Monitoring System
    • No Bank Run Risks
    • Collaterals
    • Collateral Ratios
    • Liquidations
    • Loss Provision Fund
    • Oracles Integration
    • Fiat On-Ramp/Off-Ramp
    • Borrow/Lend SDK and Widgets
      • Use Cases
      • Borrow/Lend SDK
        • Borrowing SDK
          • Authentication
            • Auth Challenge
            • Authenticate
          • Validators
          • Collateral Ratio
          • Credit Line
            • Get Credit Lines
            • Create Credit Line
          • Loan Request
            • Calculate Collateral Amount
            • Sign Loan Request
            • Create Loan Request
          • View Loans
            • All Loans
            • Single Loan
          • Deposit Collateral
            • Deposit collateral for ETH
            • Deposit Collateral for ERC20
          • View Collateral
            • Locked Collateral
            • Unlocked Collateral
          • Repay Loan
            • Repay ETH Loan
            • Repay ERC20 Loan
          • Terminate Loan
          • Liquidation
            • Liquidation Probability
            • Increase Collateral for ETH
            • Increase Collateral for ERC20
        • Lending SDK
          • Authentication
            • Auth Challenge
            • Authenticate
          • Create FIF
          • Get FIF List
          • Deposit in FIF
            • Deposit ETH
            • Deposit ERC20
          • Withdraw FIF
          • Terminate FIF
      • Borrow/Lend UI Widgets
        • WordPress Integration
          • Borrowing Widget WordPress Plugin
            • Integration
          • Lending Widget WordPress Plugin
            • Integration
        • JS Integration
          • Borrowing Widget Integration
          • Lending Widget Integration
  • Fixed-term/Fixed-rate Leveraged Lido staking
    • Start leveraged staking
    • Regular finishing
    • Early finishing
    • Positions Monitoring
    • Platform Fees
  • How to earn?
    • Earning via Rewards
    • Earning via Fixed-Term/Fixed-Rate
    • Earning via Leverage Lido Staking
  • Staking and Rewards
    • Borrower and Lender Bonus Rewards
    • Staking
    • Gasless Re-staking
    • Integrator Rewards
    • Affiliate Program
  • Security
    • Audits
    • AI-based Crypto Transactions Monitoring
    • Bug Bounties
  • Regulations
    • Peer-to-Pool-to-Peer Business Models
    • Peer-to-Peer Business Models
    • Offering Access to the Securities Products
    • Crypto Transactions Monitoring
  • Roadmap
    • Release 1.0 - Foundation
    • Release 1.1 - Fixed Income Funds
    • Release 1.2 - Credit Lines
    • Release 1.3 - UI & AI
    • Release 1.4 - Fixed Rate Leveraged Lido Staking
    • Release 1.5 - Simple and Advanced Borrowing
    • Release 1.6 - Islamic Banking
  • Our Token
  • Partners
  • Revenue Model
  • FAQs
  • Tutorials
  • Social Media Channels
  • AI-driven Decentral Autonomous Bank
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On this page
  • General borrowing/lending flow
  • Credit Lines and Fixed Income Funds
  • Fixed-term and fixed-interest-rate
  • Efficient use of collateral and Positions Monitoring System
  • Liquidations
  • No bank run risk like in Aave or Compound
  • Regulations
  • Tutorial videos:
  • Further info

Fixed-term/Fixed-rate Borrowing/Lending

AI-driven self-custodial neobank. DeFi fixed-term/fixed-interest loans for the borrowers. Personal fixed income funds for the lenders. Fixed rate leveraged Lido staking for investors.

PreviousSmartCredit.ioNextHow are loan requests matched?

Last updated 6 months ago

SmartCredit.io is an AI-driven self-custodial neobank.

Platform offers:

  • , collateralized loans for the borrowers via

  • for the lenders via

  • for the investors via

  • via the via

  • via

  • for other wallets and platforms

  • for the users via

SmartCredit.io focus is on offering self-custodial solutions which are regulatory compliant. See more in the .

SmartCredit.io does not have bank-run like Aave, Compound, or other money-market-based lending systems.

The is to offer all the financial services that traditional banks offer. However, self-custodial.

General borrowing/lending flow

Borrowers and lenders keep their assets in self-custodial wallets. The platform has no access to the borrowers’ and lenders’ assets—only users can access their crypto assets.

The general flow is following:

  • Borrowers define their loan requests with .

  • Lenders define their personal .

  • The platform uses AI-driven predictive Crypto Fraud Score to do Continuous Transaction Monitoring

  • The platform uses AI-driven Crypto Trust Score for the borrowers

  • SmartCredit.io does the between the borrowers’ and lenders’ requests.

Credit Lines and Fixed Income Funds

SmartCredit.io does, in the background, automated matching of borrowers’ loan requests with lenders’ fixed-income funds.

Fixed-term and fixed-interest-rate

Most DeFi borrowing/lending platforms offer variable-rate, variable-term loans for borrowers. SmartCredit.io focuses on the real economy, offering borrowers fixed interest rates and loan terms.

Why do we need a fixed interest rate for the borrowers?

  • Because the actual economy works based on predictability. It’s about knowing the costs of capital in advance. Or it’s about knowing the value of your liabilities.

Why do we need a fixed term for the borrowers?

  • Because borrowers will know what are their financial obligations in advance

Efficient use of collateral and Positions Monitoring System

Liquidations

No bank run risk like in Aave or Compound

Regulations

Tutorial videos:

Further info

Lenders define their personal DeFi in SmartCredit.io. They define what kind of loans they want to invest in and describe their investment rules. Every lender can choose if they prefer short-term lending strategies (with less interest) or long-term lending strategies (with more interest). Every lender can define how much of their portfolio to invest in the shorter-term and/or longer-term.

Borrowers define their loan requests within the. The concrete depends on the volatility of the collateral asset, the , and the trust score of the borrower. The interest rate curves are predefined. The concrete depends on the underlying asset, the loan term, and the trust score.

Because this enables .

SmartCredit.io has a - borrowers can order telegram notifications if the liquidation probability increases. This automated feature is available for any user.

Position Monitoring System enables .

SmartCredit.io monitors the loan, and if the borrower does not pay or the borrower’s collateral value sinks too much, the loan is . The borrower's collateral assets in the smart contracts are protected with the - the liquidation process starts only after the oracle confirms the liquidation.

SmartCredit.io never earns on —what remains from the liquidation is transferred back to the borrower. This is one of the key differences from our competitors (Aave, Compound, and Maker). Our competitors earn revenue while liquidating the under-collateralized borrower because the collateral is sold at a discount. The remainder of the collateral value becomes the profit of liquidator bots. Most of these bots are hosted by the respective platforms, and liquidation revenues transfer into the platform revenues; in some months, even 50% of the respective platforms’ revenues.

If the collateral does not cover the borrower's obligations, the will pay the gap to the lender.

Most of DeFi platforms have . Why? It's because their maturities are not matched. SmartCredit.io is the opposite - it matches the borrower/lender maturities. It's like a traditional bank, but noncustodial - without the bank run risks.

And from a point of view:

SmartCredit.io is not pooling client assets; it's pure . Therefore, it does not need to register as a security.

Our competitors have implemented the business models; they have to register as a security (and they will probably never get this registration).

SmartCredit.io has implemented as mandated for all Virtual Asset Service Providers

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SmartCredit.io has 20'000 registered users.
Fixed-term
fixed-interest-rate
https://smartcredit.io
Personal Fixed Income Funds
https://smartcredit.io
Fixed Rate Leveraged Lido staking
https://smartcredit.io
Effective use of Collateral
Positions Monitoring System
https://smartcredit.io
Fiat on-ramp/off-ramp
https://smartcredit.io
Borrow/Lend SDK for integrations
Staking and Rewards
https://smartcredit.io
Regulations
risks
Vision of SmartCredit.io
Credit Lines
Fixed-Income Funds
matching
Fixed-Income Funds
collateralized
Credit Lines
collateral ratio
loan term
interest rate
efficient use of collateral
Positions Monitoring System
efficient use of collateral
liquidated
oracles
liquidations
Loss-Provision Fund
bank run risk
regulations
peer-to-peer play
peer-to-pool-to-peer
Transactions Monitoring
SmartCredit.io intro
How to borrow?
How to borrow 1'000 USD stablecoins?
How to connect your wallet with notifications?
How to earn stable recurring income with Fixed Income Funds?
How to mix variable interest rate and fixed interest rate?
How to earn 50% + with borrowing?
How to earn 30% + with lending?
How to earn 15%+ on your collateral value?
How to earn with staking?
https://SmartCredit.io
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