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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  • Tutorial videos:
  • Further info
  1. Fixed-term/Fixed-rate Borrowing/Lending

Fixed-Income Funds

Lenders define their personal Fixed Income Funds. Lenders deposit into their FIF's. And platform matches the FIF's with the borrower's credit lines.

Lenders lend via their personal Fixed-Income Funds (FIF). They define into which maturities they want to invest a ratio of their assets. This allows lenders to mix different loan maturities and create a preferred loan portfolio.

A FIF consists of four buckets:

  • “Bucket 0” will be invested into Compound’s variable-rate money-market fund.

  • “Bucket 1” will be invested into loans 11–30 days

  • “Bucket 2” will be invested into loans 31–90 days

  • “Bucket 3” will be invested into loans 91–180 days

The investor can also create multiple FIFs. For example, the investor could create:

  • First FIF for short-term lending strategies

  • Second FIF for longer-term lending strategies

Or the investor could, for example, choose only one bucket for his investments:

  • Only bucket 1 for loans 11–30 days OR

  • Only bucket 2 for loans 31–90 days

This means - the lender can choose strategy, which matches best his expectations. Lender can allocate more funds into the "bucket 2" or "bucket 3" - and earn more interest. Or lender could allocate more funds into the "bucket 0" or "bucket 1" - and have higher flexibility, but less interest.

The following assets are supported for lending:

Asset
Etherscan link

ETH

Supports buckets 0, 1, 2 and 3

DAI

Supports buckets 0, 1, 2 and 3

USDC

Supports buckets 0, 1, 2 and 3

USDT

Supports buckets 0, 1, 2 and 3

FRAX

Supports buckets 1, 2 and 3

SMRTCREDIT

Supports bucket 3

The lender can withdraw the un-invested funds from his FIF. The lender can also terminate the FIF investment. This FIF will not be used for matching anymore. In this case, borrowers pay back their loans, and the lender can withdraw all his funds. This means the FIF investor must wait to withdraw his funds; he must wait until the borrowers pay back the loans.

Lenders don't need to pay any fees for creating FIF's, depositing into FIF's or withdrawing from the FIF's. The cost of creating a FIF for the lender is:

  • Pay gas for creating FIF contract

  • Pay gas for depositing into FIF contract

  • Pay gas for withdrawing from the FIF contract

Tutorial videos:

Further info

PreviousCredit LinesNextFixed Loan Term

Last updated 6 months ago

The borrower pays loan interest to the lender, (0.5%) and fee.

The lender receives the loan interest into the FIF, which gets then re-invested into new loans. Loan interest is based on the pre-defined yield curves. See more in the section "".

There are no other fees for the lender. See more in the section "".

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platform fee
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Revenue Model
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?
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