What SmartCredit.io does

SmartCredit.io is a decentralized peer-to-peer (P2P) lending marketplace for crypto assets, founded in 2018 and headquartered in Zürich, Switzerland. The platform is operated by Decentral Tech OÜ (an Estonian private limited company), while platform IP is held by Decentral Autonomous Blatform Ltd (a British Virgin Islands corporation). The company differentiates from pool-based DeFi lending competitors such as Aave and Compound by offering fixed-term, fixed-rate loans with collateral ratios of 107-108% (versus a ~150% industry average), up to 90% LTV, and zero liquidation penalties with excess collateral returned to borrowers. The technology stack is built on Ethereum with a Polygon Layer 2 deployment for lower gas fees, uses Chainlink oracles for price feeds, and supports ERC20 collateral assets with loans denominated in ETH, SMARTCREDIT token, and stablecoins (DAI, USDC, USDT). The platform reports 20,000+ registered users and $2M+ Total Value Locked.

The product suite includes core Crypto Loans and Crypto Lending, Fixed Income Funds (lender-defined auto-investment vehicles), Credit Lines, Leveraged Lido Staking (2x-5x amplified ETH yield), and an AI-driven toolkit comprising a conversational Markowitz Portfolio Optimizer, AI Trading Agents for 24/7 liquidation protection, a Position Monitoring System with Telegram alerts, and AI-based Crypto Transactions Monitoring with Crypto Fraud Score (via ChainAware.ai). Distribution is primarily self-serve via web and mobile with WalletConnect and MetaMask integration, augmented by a Borrow/Lend SDK, embeddable widgets (including WordPress plugins), Credit As A Service API, and a Portfolio MCP server for AI-agent integration. The go-to-market is product-led growth with community-led channels (referral program paying 50% of loan fees plus 25 tokens per borrower) and developer relations via documentation. The SMARTCREDIT token (ERC20) provides staking rewards of 30-80% APY, bonus rewards to borrowers and lenders (9.5% APY extra), and integrator rewards, with planned 16.67% annual inflation for 2025-2026.

The business model generates revenue from transaction-based fees: borrower service fees, Loss Provision Fund fees (covering lender defaults), collateral liquidation conversion fees, and late payment fees. The Loss Provision Fund also functions as a defensive mechanism against borrower default, enhancing lender trust. Customer segments include individual crypto holders, yield-seeking investors, algorithmic traders, conservative borrowers, and Islamic finance users (via a BarakaFi partnership on Haqq Network). Strategic partners include Uniswap, Chainlink, ChainAware.ai, BarakaFi, Bancor Network, Celo, and WalletConnect. The company claims a 5-year zero-hack track record with Immunebytes smart contract audits, GDPR compliance, and geographic restrictions on US-sanctioned jurisdictions. No external venture capital funding has been disclosed.

Name

SmartCredit.io

Legal name

Decentral Autonomous Blatform Ltd

Website

https://smartcredit.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

SmartCredit.io operates an AI-driven decentralized peer-to-peer lending marketplace that enables fixed-term, fixed-rate crypto-backed borrowing and lending on Ethereum, serving individual DeFi users, yield-seeking investors, and algorithmic traders with differentiated collateral ratios and AI-powered risk management tools.

Ownership category

akta.pro rank

Product category

Decentralized Finance Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Loan Brokers (6163)

akta.pro primary industry

Decentralized Lending & Borrowing Protocols (FSADAMAA)

akta.pro secondary industries

Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ), Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI)

Keywords

• DeFi lending marketplace
• Fixed-rate crypto loans
• Peer-to-peer lending
• Crypto-backed loans
• AI portfolio optimization

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Borrower Service Fees: Borrowers pay service fees to the platform for each loan agreement. Fee amount determined at platform's unilateral discretion.
2. Loss Provision Fund Fees: Borrowers pay service fees to the Loss Provision Fund for loss provisions. This fund covers lender losses if borrower collateral liquidation does not cover loan amount and interest.
3. Collateral Liquidation Conversion Fees: Platform charges conversion fees when collateral is liquidated to repay loans.
4. Late Payment Fees: Loss Provision Fund may charge late payment fees in case of borrower default.
5. SMARTCREDIT Token Inflation: Native token with planned 16.67% annual inflation for 2025-2026 period. Token used for borrower/lender bonus rewards, staking rewards, marketing, and team allocation.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels9 records

Core offering

SmartCredit.io operates an AI-driven decentralized peer-to-peer lending marketplace where borrowers obtain fixed-term, fixed-rate crypto-backed loans using cryptocurrency as collateral (typically 107-108% collateral ratio, up to 90% LTV, rates locked at origination) and lenders earn predictable fixed returns of 8-15% APY through configurable Fixed Income Funds that automatically match with borrower requests. The platform is augmented by AI capabilities including a Markowitz-based Portfolio Optimizer chatbot, 24/7 AI Trading Agents for liquidation protection, and AI-based crypto transactions monitoring for CeFi/DeFi companies.

Product overview

SmartCredit.io is an AI-driven DeFi lending marketplace offering a unified platform of interconnected financial products. The core offering consists of fixed-term, fixed-rate crypto loans (8-15% APY, up to 90% LTV) and fixed-rate lending through customizable Fixed Income Funds. These are enhanced by AI-powered tools including the Portfolio Optimizer (Markowitz optimization chatbot), AI Trading Agents for automated risk management, Position Monitoring System with Telegram alerts, and Crypto Fraud Score. The platform also offers Leveraged Lido Staking for amplified ETH yields, Credit Lines for flexible borrowing, and a Loss Provision Fund protecting lenders. Developer access is provided via Borrow/Lend SDK, Widgets (including WordPress plugins), and Portfolio MCP for AI agent integration. The SMARTCREDIT token powers the ecosystem's staking rewards and bonus programs. The platform operates peer-to-peer matching between borrowers and lenders without intermediaries, with all operations secured by Immunebytes audits.

Differentiator

Problem solved

Functional benefit

Products and services

• Crypto Loans Fixed-term, fixed-rate crypto-backed loans with up to 90% LTV (107-108% collateral ratio), rates of 0.64-8% APY locked at origination for terms of 30-365 days; borrowers deposit crypto collateral and receive stablecoins (USDT, USDC, DAI) or ETH.
• Crypto Lending Fixed-rate lending product where lenders earn 8-15% APY on USDC/DAI holdings and are automatically matched to borrower requests via the platform's P2P matching engine.
• AI Portfolio Optimizer Conversational AI chatbot that applies Markowitz Modern Portfolio Theory across CoinGecko's crypto category universe, accepts natural language prompts, and returns optimal portfolio allocations with Sharpe Ratio, Sortino Ratio, expected return, and annualized volatility metrics.
• Fixed Income Funds Personal investment funds lenders create with minimum rate, preferred collateral types, and loan term ranges; funds automatically match to borrower loan requests, enabling passive fixed-income crypto investing.
• Credit Lines Flexible credit facilities enabling borrowers to draw capital up to a predefined limit without creating a separate loan request per draw, supporting capital-efficient ongoing borrowing.
• Leveraged Lido Staking Fixed-rate leveraged staking product letting users borrow against ETH to amplify Lido staking rewards at 2x-5x leverage, with borrowing rates locked at origination and net yields of 12-18% APY.
• AI Trading Agents Autonomous AI agents that monitor positions 24/7, auto-add collateral when ratios hit 140%, cross-verify oracle data across Chainlink and Band Protocol, and detect smart contract anomalies to prevent liquidations.
• AI-based Crypto Transactions Monitoring AI-based transaction monitoring service for CeFi and DeFi companies, providing real-time analysis and risk scoring of cryptocurrency transactions for fraud and AML purposes.
• Crypto Fraud Score Free predictive AI-based crypto fraud score service provided via ChainAware.ai integration, scoring wallet reliability and borrower trustworthiness for CeFi and DeFi counterparties.
• Borrow/Lend SDK and Widgets Software development kit and embeddable UI widgets (including WordPress plugins and JavaScript integration) that let third-party platforms integrate SmartCredit.io borrowing, lending, and loan-calculator functionality, plus a Credit-as-a-Service API.

Quantifiable outcome

• Collateral ratio: 107-108% vs 150% industry average (Aave)
• +5 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability8 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• UniswapcoreTechnology or IntegrationDecentralized exchange integration. SmartCredit.io loans enable users to execute bullish strategies by buying assets on Uniswap after borrowing stablecoins.
• ChainlinkcoreTechnology or IntegrationOracle integration for price feeds and data verification. Used for collateral ratio monitoring and liquidation protection.
• ChainAware.aicoreTechnology or IntegrationAI-based crypto credit score and transaction monitoring provider. Provides crypto fraud score API and transaction monitoring for CeFi and DeFi companies.
• BarakaFistrategicStrategic or Co-development PartnerPartnership for Sharia-compliant Islamic finance products on Haqq Network. Halal crypto lending, riba-free microloans from $10, and profit-sharing investment funds. 100% Sharia-certified offerings.
• WalletConnectcoreTechnology or IntegrationWallet connection protocol enabling users to connect MetaMask and other Web3 wallets to the SmartCredit.io platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Morpho: P2P lending layer on top of Aave/Compound that matches borrowers and lenders peer-to-peer for better rates. Highly comparable to SmartCredit's P2P fixed-rate model, representing the closest architectural competitor.
• Compound: Algorithmic, autonomous interest rate protocol for lending/borrowing crypto assets. Direct peer in DeFi lending with the same Ethereum roots as SmartCredit, competing on variable-rate pool liquidity against SmartCredit's fixed-rate model.
• Notional Finance: Fixed-rate, fixed-term DeFi lending and borrowing protocol on Ethereum. Direct peer in the fixed-income DeFi niche that SmartCredit addresses, with similar term-structure and predictable rate product.
• Aave: Decentralized liquidity-protocol for crypto lending and borrowing, the dominant DeFi money market. SmartCredit competes directly in on-chain crypto lending but differentiates via fixed-rate P2P matching vs Aave's variable-rate pool-based model.
• MakerDAO: Decentralized credit facility issuing DAI against crypto collateral via collateralized debt positions. Competes with SmartCredit's collateralized crypto loans and even shares DAI as a borrowing/collateral asset.
• Maple Finance: Decentralized credit market for institutional borrowers with undercollateralized loans. Comparable as a credit marketplace connecting lenders and borrowers with underwriting and loss provision mechanisms similar to SmartCredit's Loss Provision Fund.

Emerging players

• Pendle Finance: Yield-tokenization protocol that splits yield-bearing assets into principal and yield tokens. Comparable to SmartCredit's Fixed Income Funds in providing fixed-income exposure in DeFi, though via yield stripping rather than direct P2P matching.
• TrueFi: DeFi credit market for uncollateralized and undercollateralized lending. Comparable peer in the on-chain credit space with focus on credit scoring and risk assessment similar to SmartCredit's fraud score and monitoring.
• Lido Finance: Liquid staking protocol for ETH. Comparable because SmartCredit offers Leveraged Lido Staking as a core product, integrating directly with Lido's stETH to amplify yields via fixed-rate borrowing.

Others

• ChainAware.ai: AI-based crypto transaction monitoring and fraud scoring provider. Strategic technology partner to SmartCredit, providing the credit scoring and anti-fraud layer that complements their lending protocol.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat8 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/smartcredit_io
• YouTubeyoutube.com/c/SmartCreditio
• LinkedInlinkedin.com/company/smartcredit-io

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SmartCredit.io