SmartCredit is a Decentral Finance application for crypto borrowing and lending. The key features are:
The low collateral ratio for the borrowers
Personal Fixed Income Funds for the lenders
Fixed-term and fixed interest loans
The key difference is that SmartCredit focuses on the DeFi fixed-income-funds as opposed to the DeFi money-market-funds (as most of DeFi lending solutions today).
SMARTCREDIT is the utility token for:
Utility and loyalty token on the SmartCredit platform
Collateral for the loans
Liquidity mining for the borrowers, lenders, and integration pa (which integrate SmartCredit platform)
SmartCredit offers the following functionality:
Borrowers can receive fixed interest and fixed-term loans with a lower collateral ration than the money-market-funds
Borrowers can complete the optional credit-scoring, which allows reducing the collateral ratio and the loan interest
Lenders receive fixed interest instead of the fluctuating money-market-funds interest
Lenders have their own Personal Fixed Income Funds
Integrators can integrate our User Interface Widgets and earn loan origination fees plus reward tokens
