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. 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. 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.

Tutorial videos:

Further info