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. Regulations

Offering Access to the Securities Products

Offering access to the Securities products - for example money-market-funds - is licensed activity too.

PreviousPeer-to-Peer Business ModelsNextCrypto Transactions Monitoring

Last updated 6 months ago

Every website or wallet that offers access to unregistered securities is in breach of the securities regulations (including the websites aave.com and compound.finance, which offer access to unregistered security products).

Of course, there is free speech, and the right to publish open-source code is protected by free speech. This is right; this freedom is still there. However, if free speech results in the creation of “securities products,” then additional financial regulations will apply.

Some projects declare that they are run as DAOs, and the regulations do not apply. However, the upcoming FATF regulations handle this situation:

  • If a company controls the private keys, then this company needs to be registered as a VASP.

  • If the DAO controls the private keys of the smart contracts, then all token holders of the DAO will become VASP (Virtual Asset Service Provider).

  • If there is no DAO and no company, the developer deploying the contracts into the main net will become a VASP.

The VASP regulation will be rolled out worldwide. It will mandate KYC, AML, and transaction monitoring. It will mandate regulatory reporting, too.

This will bring transparency to which users from which jurisdictions are using which products. This will then inevitably lead to the registration of security products - all DeFi products pool the client assets will have to apply for security licence - not for their token, but for their products.

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Further info

SmartCredit.io:

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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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