SmartCredit.​io Emphasizes Self-Custody in DeFi Services

**Tether has secured the 18th position among US Treasury holders as of Q3 2025**, holding $135B in US government debt. This places the stablecoin issuer ahead of South Korea and close to Brazil's holdings. **Key rankings:** - Japan leads globally with $1.1T - UK and China follow in second and third - Tether now ranks just behind Norway **Looking ahead:** If BRICS nations reduce their US Treasury positions in 2026, Tether's ranking could climb even higher among global holders of American debt. This milestone demonstrates how stablecoin issuers have become significant players in traditional financial markets, with Tether's treasury holdings rivaling those of major nations. [View chart](https://cms.zerohedge.com/s3/files/inline-images/1-stablecoins-1024x576.jpg?itok=PVc7rgaN)

**SmartCredit introduces fixed-rate lending to counter variable rate unpredictability** Variable interest rates in DeFi can shift dramatically against borrowers. SmartCredit addresses this by locking in both rates and terms at the moment of matching. **Key features:** - Fixed interest rates that don't change mid-loan - Fixed terms agreed upfront - Reusable credit lines across multiple loans - Collateral remains within the credit line structure The platform eliminates the common DeFi pattern of repeatedly depositing, borrowing, and repaying. Instead, users establish a credit line once and draw from it multiple times with consistent terms. This approach provides predictability in position management, removing the risk of rate spikes that can occur with traditional variable-rate protocols.

**SmartCredit.io** hosts a DeFi knowledge quiz today at 18:00 UTC in their [Telegram community](https://t.me/SmartCredit_Community). **Quiz Details:** - 10 questions testing DeFi knowledge - 15 SMARTCREDIT tokens per correct answer - Multiple chances to earn rewards The AI-driven neobank regularly runs these educational quizzes to engage their community while rewarding participation. *Set your reminders and test your DeFi expertise.*

**SmartCredit introduces Credit Line feature** that eliminates the need to open new loans repeatedly. **Key benefits:** - One credit line supports multiple loans - Reusable collateral across borrowing cycles - Reduced gas fees by avoiding repeated setups - Streamlined on-chain lending experience The platform positions this as solving inefficiencies in current DeFi lending, where each loan requires a fresh start. Users can now borrow multiple times using the same collateral setup. **Previous features include:** - Rate comparison tool across major protocols - Fixed-term, fixed-rate loan structure - Balanced approach for both borrowers and lenders SmartCredit continues building tools focused on lending efficiency and user experience improvements in decentralized finance. [Learn more about Credit Lines](http://smartcredit.io)

**SmartCredit.io** addresses a core DeFi lending problem: **variable interest rates** that change unpredictably. The platform offers: - **Fixed-term, fixed-rate loans** that remain stable throughout the loan period - **Predictable borrowing costs** without sudden rate spikes - **Simple stability** in an otherwise volatile crypto environment Unlike traditional DeFi protocols that optimize for one side, SmartCredit.io provides: - **Balanced approach** for both borrowers and lenders - **Protection through Loss Provision Fund** rather than profiting from liquidations - **Transparent, long-term focused** credit system The AI-driven platform eliminates the uncertainty of fluctuating rates, allowing users to plan and execute strategies without worrying about changing loan terms.