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
  • Borrow/Lend Revenues
  • Fixed Rate Leveraged Lido Staking revenues
  • Partners Revenues
  • Tutorial videos:
  • Further info

Revenue Model

SmartCredit.io earns from the AI and Big Data Services (fraud detection, transaction monitoring, credit score, user segmenation). SmartCredit.io earns as well 0.5% from the loan volume.

PreviousPartnersNextFAQs

Last updated 5 months ago

Revenue statistics are available at:

Borrow/Lend Revenues

SmartCredit.io takes a 0.5% fee from the loan volume. This fee does not depend on the loan term; it’s always 0.5%. This platform fee is added to the borrower's interest payment.

Part of the borrower's interest payments is allocated to the , which the project guarantees. However, this does not count as revenue for the platform—these are loss provisions for unexpected events. This can also be considered platform insurance.

SmartCredit.io does not earn on borrowers’ . The remaining funds are transferred back to the borrower’s credit line if liquidations are required. The borrower can use these assets later (or withdraw them from his credit line).

The lenders do not have any fees on the platform. They create FIF's and deposit funds. Lenders need to pay only gas for these transactions, and that's it.

SmartCredit.io is paying gas for matching borrowers’ and lenders’ orders (matching is done between the credit lines and fixed-income funds). Parts of the 0.5% fee are used to pay gas for Ethereum transactions or to cover the infrastructure costs.

Fixed Rate Leveraged Lido Staking revenues

SmartCredit.io takes a 5% fee from the profits generated.

Partners Revenues

We offer for the integration partners "" and we share the revenues - 50%:50%

Tutorial videos:

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Further info

SmartCredit.io:

Twitter:

Telegram:

https://dune.com/smartcredit/smartcredit
Loss Provision Fund
liquidations
Borrow/Lend SDK and Widgets
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
https://twitter.com/Smartcredit_io
https://t.me/SmartCredit_Community