Collaterals

WBTC, WETH, ETH, USDT, USDC, DAI and many ERC20 tokens are supported as collateral. In total, the platform supports 22 collateral assets.

The loan requests are always over-collateralized.

SmartCredit.io supports 20 collateral assets:

• wETH, wBTC, and ETH

• ERC20 tokens

• Partners ERC20 tokens

• Stablecoins

• Our own SMARTCREDIT token

The loans are over-collateralized. The concrete Collateral Ratio for a loan depends on multiple parameters. See more details in the "Collateral Ratios section".

If the value of the collateral to the loan sinks to the Liquidation Ratio - then the loan will be liquidated. SmartCredit.io does not earn on the liquidations. See more details in the "Liquidation section".

Here is a detailed list of collateral assets, the link to the Etherscan, and the Liquidation ratios.

The tokens of our partners are marked in bold - we add the tokens of our partners into our collateral list. This increases the utility of our partner's tokens.

Collateral	Etherscan Link	Liquidation Ratio
ETH		113%
wETH	0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2	114%
wBTC	0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599	112%
DAI	0x6b175474e89094c44da98b954eedeac495271d0f	106%
USDC	0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48	106%
USDT	0xdAC17F958D2ee523a2206206994597C13D831ec7	106%
BAT	0x0d8775f648430679a709e98d2b0cb6250d2887ef	115%
BNT	0x1f573d6fb3f13d689ff844b4ce37794d79a7ff1c	119%
CRO	0xa0b73e1ff0b80914ab6fe0444e65848c4c34450b	115%
ENJ	0xf629cbd94d3791c9250152bd8dfbdf380e2a3b9c	115%
EPAN	0x72630B1e3B42874bf335020Ba0249e3E9e47Bafc	112%
LINK	0x514910771af9ca656af840dff83e8264ecf986ca	115%
LRC	0xbbbbca6a901c926f240b89eacb641d8aec7aeafd	119%
ID	0xEBd9D99A3982d547C5Bb4DB7E3b1F9F14b67Eb83	114%
MKR	0x9f8f72aa9304c8b593d555f12ef6589cc3a579a2	118%
PNT	0x89Ab32156e46F46D02ade3FEcbe5Fc4243B9AAeD	122%
REP	0x221657776846890989a759ba2973e427dff5c9bb	113%
SMARTCREDIT	0x72e9D9038cE484EE986FEa183f8d8Df93f9aDA13	120%
UNI	0x1f9840a85d5af5bf1d1762f925bdaddc4201f984	121%
ZRX	0xe41d2489571d322189246dafa5ebde1f4699f498	113%

Tutorial videos:

• Video "SmartCredit.io intro"
• Video "How to borrow?"
• Video "How to borrow 1'000 USD stablecoins?"
• Video "How to connect your wallet with notifications?"
• Video "How to earn stable recurring income with Fixed Income Funds?"
• Video "How to mix variable interest rate and fixed interest rate?"
• Video "How to earn 50% + with borrowing?"
• Video "How to earn 30% + with lending?"
• Video "How to earn 15%+ on your collateral value?"
• Video "How to earn with staking?"

Further info

• SmartCredit.io: https://SmartCredit.io
• Twitter: https://twitter.com/Smartcredit_io
• Telegram: https://t.me/SmartCredit_Community