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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.

Revenue statistics are available at: https://dune.com/smartcredit/smartcredit

AI-based Crypto Transaction Monitoring Revenues

AI-based Crypto Transaction Monitoring is offered via https://chainaware.ai.

  • The website is free to use

  • Businesses can integrate the AI-based Crypto Fraud Score API via https://swagger.chainaware.ai. This allows the implementation of regulatory requirements of Transactions Monitoring, which are mandatory for all Virtual Asset Service Providers.

More details for the integrators are in "AI-based Crypto Transaction Monitoring API".

AI-based Crypto Trust Score Revenues

AI-based Crypto Trust Score is offered via https://chainaware.ai.

  • Everyone can check his own Crypto Credit Score for free

  • Businesses can integrate the AI-based Crypto Trust Score API via https://swagger.chainaware.ai.

More details for the integrators are in "AI-based Crypto Trust Score API".

AI and Big Data based User Segmentation for Revenue Generation

Big Data based User Segmentation is offered via https://chainaware.ai.

More details for the integrators are in "Big Data based User Segmentation for Revenue Generation API".

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 Loss Provision Fund, which the project guarantees. However, this does not count as revenue for the platform - these are loss provisions for unexpected events. This can be considered platform insurance too.

SmartCredit.io does not earn on borrowers’ liquidations. 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 these assets 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.

More details for the integrators are in "Borrow/Lend SDK and Widgets".

Tutorial videos:

Further info

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