SMARTCREDIT Token: An Overview

SMARTCREDIT Token is an innovative Decentralized Finance (DeFi) application designed for crypto borrowing and lending. The key features of this platform include:

• Low collateral ratio for borrowers
• Personal Fixed Income Funds for lenders
• Fixed-term and fixed-interest loans

What sets SMARTCREDIT Token apart is its focus on DeFi fixed-income funds, unlike most DeFi lending solutions that primarily offer money-market funds.

SMARTCREDIT Token serves as a utility token for various purposes, including:

• Utility and loyalty token on the SMARTCREDIT Token platform
• Collateral for loans
• Liquidity mining for borrowers, lenders, and integration partners

SMARTCREDIT Token offers the following core functionality:

• Borrowers can access fixed interest and fixed-term loans with a lower collateral ratio compared to money-market funds
• Borrowers have the option to complete a credit-scoring process, enabling reduced collateral ratios and loan interest rates
• Lenders receive fixed interest rates instead of the fluctuating rates associated with money-market funds
• Lenders can create their own Personal Fixed Income Funds
• Integrators can incorporate User Interface Widgets offered by SMARTCREDIT Token, earning loan origination fees and reward tokens

SMARTCREDIT Token Supply and Allocation

Currently, 10% of the total supply of SMARTCREDIT Tokens (2,500,000 tokens) are unlocked, while the remaining 90% (22,500,000 tokens) are time-locked with OpenZeppelin contracts. The time-locked tokens will be released in equal parts over the next four years, starting from the second year of the token's existence. The current circulating supply is 1,106,625 SMARTCREDIT tokens.

The token allocation is as follows:

• 40% for liquidity mining for integration partners and users
• 10% for marketing
• 10% for the team (released in quarterly installments starting from the second year)
• 20% for liquidity provision
• 15% reserved for insurance funds

SMARTCREDIT Token Founders

The founders of SMARTCREDIT Token are Martin Ploom and Tarmo Ploom, Ph.D. Both are former Vice Presidents at Credit-Suisse in Zurich, Switzerland. They hold MBA and CFA degrees and have extensive knowledge of traditional banking and credit systems. Additionally, they have been early adopters of blockchain technology and have co-authored the first German-language blockchain book. They frequently provide lectures and maintain a blog at the following link:

Learn More about SMARTCREDIT Token

Find more information about SMARTCREDIT Token on the following platforms: Blog: Medium: Twitter: Telegram:

Access the SMARTCREDIT Token application at:

Where to Buy SMARTCREDIT Token?

SMARTCREDIT Token is currently listed on the Uniswap exchange.

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