Credefi
Credefi is a blockchain-based RWA lending platform founded in 2020 that connects crypto lenders with EU SMEs, offering loans collateralized by real estate and future receivables. The company has financed 50+ SMEs with over $3.8M in total liquidity and reports a 0% default rate.
- Company typePrivate
- Founded2020
- HeadquartersSofia, Bulgaria
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Credefi does
Credefi is a blockchain-based lending platform founded in 2020 that connects crypto lenders with small and medium-sized enterprises (SMEs) in the European Union, addressing an estimated $176 billion debt financing gap. The platform facilitates loans collateralized by real-world assets (RWA), including real estate and future receivables, with stated risk metrics of 120% loan-to-value collateralization, greater than 85% risk predictability, and a 0% default rate. To date, Credefi has financed 50+ EU SMEs, deployed over $3.8 million in total liquidity, and holds $5 million or more in active loan value. The company operates as a private limited entity (UAB Credefi) incorporated in Lithuania with headquarters in Sofia, Bulgaria, and an 11-50 person team led by CEO Ivo Grigorov alongside COO/Founder Valentin Dimitrov and CTO Lyubomir Blagov. Revenue is generated through lending interest spreads — with lenders earning up to 12% APY on active loans — and through token trading fees on the $CREDI token, which is listed on Uniswap, Gate.io, and KuCoin. The broader product ecosystem includes a dual-token architecture ($CREDI for collateral protection insurance and yield boost; $xCREDI as a utility and governance token), the Module X security module for staking, and the CREDI Whales Club community for top-tier token holders. Distribution is entirely self-serve via the web application at app.credefi.io, with borrower onboarding handled through a Typeform application and marketing driven by community AMAs, content, and ecosystem partnerships.
Credefi firmographics
Firmographics- Name
- Credefi
- Legal name
- UAB Credefi
- Website
- https://credefi.finance
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credefi is a blockchain-based RWA lending platform founded in 2020 that connects crypto lenders with EU SMEs, offering loans collateralized by real estate and future receivables. The company has financed 50+ SMEs with over $3.8M in total liquidity and reports a 0% default rate.
- Ownership category
- akta.pro rank
Credefi industry classification
Industry- Product category
- RWA Lending Platform
- NAICS
- Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)
- akta.pro primary industry
- Crypto-Backed Business / SME Loans (Secured) (FSADAFAH)
- akta.pro secondary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where Credefi is headquartered
LocationHeadquarters
- HQ city
- Sofia
- HQ country
- Bulgaria
- HQ region
- Europe
Markets served
Credefi business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Lending Interest Spread: Platform facilitates loans between lenders and EU SMEs, earning interest spread on loans backed by real-world assets. Lenders receive up to 12% interest rate on active loans.
- Token Trading Fees: $CREDI token traded on Uniswap, Gate.io, and KuCoin generating trading fee revenue from token liquidity provision.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Lending returns up to 12% APY |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Credefi product offering
Product offeringCore offering
Credefi operates a blockchain-based Real-World Asset (RWA) lending platform that connects crypto-asset lenders with EU SME borrowers, originating loans collateralized by tangible assets such as real estate and future receivables at 120% loan-to-value. Lenders earn up to 12% interest on funded loans while the platform intermediates the credit decision, collateral management, and repayment flows via its audited smart contracts, $CREDI and $xCREDI tokens, and Module X staking module.
Product overview
Credefi operates a unified RWA lending platform that bridges EU debt financing gaps for SMEs. The platform enables lenders to access loans collateralized by real-world assets (real estate, future receivables) while offering borrowers fair and accessible lending solutions. The product ecosystem includes the core lending platform, the $CREDI token for security and yield boosting, the $xCREDI utility/governance token earned through Module X staking, and xCREDI staking functionality. Lenders benefit from stable returns (up to 12% interest rate) backed by 120% Loan-to-Value collateralization with a >85% risk predictability rate and 0% default rate.
Differentiator
Problem solved
Functional benefit
Products and services
- Credefi Lending Platform A blockchain-based RWA (Real-World Asset) lending platform that connects crypto-asset lenders with EU SMEs, offering loans collateralized by real-world assets including real estate and future receivables at 120% LTV, with lenders able to earn up to 12% interest on active loans.
- $CREDI Token Standalone platform token providing additional security and yield-boost opportunities for loans on the Credefi platform, and usable to secure Collateral Protection Insurance.
- $xCREDI Token Standalone utility and governance token of the Credefi platform, earned by depositing $CREDI into the Module X security module; unlocks tier-based utilities and rewards for holders.
Quantifiable outcome
- 0% default rate on platform
- +4 more outcomes
Companies that use Credefi
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
Credefi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Credefi partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- BrickkencoreBrickken x Credefi partnership launched a $2,500 rewards pool incentive. Brickken provides tokenization infrastructure while Credefi offers RWA lending capabilities, enabling joint growth in the DeFi ecosystem.
- PolytradecorePolytrade x Credefi partnership focused on bringing Trade Finance to DeFi. Combines Polytrade's trade finance expertise with Credefi's RWA lending platform to expand real-world asset-backed lending capabilities.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Credefi competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Credefi social profiles
Digital presenceCredefi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credefi leadership team
Management profileNumber of profiles
Profiles3 records
Credefi funding detail
Funding detailFunding overview
Funding rounds1 record
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credefi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credefi
What does Credefi do?
Credefi operates a blockchain-based Real-World Asset (RWA) lending platform that connects crypto-asset lenders with EU SME borrowers, originating loans collateralized by tangible assets such as real estate and future receivables at 120% loan-to-value. Lenders earn up to 12% interest on funded loans while the platform intermediates the credit decision, collateral management, and repayment flows via its audited smart contracts, $CREDI and $xCREDI tokens, and Module X staking module.
Is Credefi a public or private company?
Credefi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Credefi founded?
Credefi was founded in 2020. It employs 11 to 50 people.
Where is Credefi based?
Credefi is headquartered in Sofia, Bulgaria, in the Europe region.
How does Credefi make money?
Two revenue lines are on record. Lending Interest Spread is the primary driver. The others are token Trading Fees.
Does Credefi have an API?
No public API is recorded for Credefi.
What industry is Credefi in?
Credefi's product category is RWA Lending Platform. Its primary akta.pro industry code is FSADAFAH, Crypto-Backed Business / SME Loans (Secured), with a secondary code of FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing. Its NAICS code is 5222 and its SIC code is 6159.