Background

SmartCredit.io

SmartCredit.io is an AI-driven self-custodial neobank. SmartCredit.io has 20'000 registered users.

Platform offers:

  • Fixed-term, fixed-interest-rate collateralized loans for the borrowers
  • Personal Fixed Income Funds for the lenders
  • Effective use of Collateral via the Positions Monitoring System
  • AI-driven predictive Crypto Fraud Score - free to use for everyone via https://smarttrust.io
  • AI-driven Crypto Trust Score - for crypto lenders via https://smarttrust.io
  • AI-driven Continuous Transaction Monitoring for the wallets, exchanges, and payment processors  - for all crypto service providers(via https://smarttrust.io)
  • Fiat on-ramp/off-ramp
  • AI API and Borrow/Lend SDK's integrations for other wallets and platforms
  • Staking and Rewards for the users

SmartCredit.io focus is on offering self-custodial solutions which are regulatory compliant. SmartCredit.io does not have bank run risks like Aave, Compound, or other Money-Market based lending systems.

The Vision of SmartCredit.io is to offer all the financial services which traditional banks offer. However, self-custodial.

Integrationstwitter

🔄 Loop Your Way to 5x ETH Staking Exposure

Mon 6th Oct 2025
**SmartCredit introduces leveraged staking for Lido users** ETH stakers can now amplify their exposure up to **5x** through a simple loop strategy: - Use stETH as collateral - Borrow additional ETH - Stake the borrowed ETH - Repeat the process **Key Features:** - **Liquidation Probability Calculator** shows risks upfront - Full risk visibility before entering positions - Built on existing Lido staking infrastructure The platform allows users to maximize staking yields while maintaining awareness of potential liquidation scenarios through predictive risk assessment tools.
Community article

🔒 SmartCredit Ditches Pooled Risk

Thu 2nd Oct 2025
**SmartCredit introduces 1:1 loan matching** to eliminate shared risk exposure common in pooled lending protocols. Key features: - Every loan matched individually between lender and borrower - **No exposure to other users' defaults** - No shared liquidation losses - Fixed terms that don't change based on pool performance This approach contrasts with traditional DeFi lending pools where your funds' safety depends on the collective risk of all participants. **Direct accountability** replaces pooled uncertainty in this lending model.
Community article

🚨 Early Warning System

Thu 18th Sep 2025
**SmartCredit introduces proactive liquidation alerts** to prevent borrower losses. **Key Features:** - Telegram notifications trigger at **15% risk level** - Borrowers get advance warning to add collateral or repay - System provides **peace of mind** for both lenders and borrowers **Why It Matters:** Most DeFi platforms only notify users after liquidation occurs. SmartCredit's early warning system gives users **time to react** before reaching dangerous territory. This represents a shift from reactive to **proactive risk management** in decentralized lending.
Community article

SmartCredit.io Emphasizes Self-Custody and No Re-hypothecation in DeFi Lending

Thu 14th Aug 2025
SmartCredit.io differentiates itself in the DeFi lending space with a strict no re-hypothecation policy. Unlike other protocols where user collateral gets reused without their knowledge, SmartCredit ensures: - Collateral remains locked in personal credit lines - Full user control over assets - Complete reusability after loan repayment The platform combines fixed-term loans with AI-driven features including: - Crypto Fraud Score - Transaction monitoring - Personal Fixed Income Funds All services maintain regulatory compliance while eliminating traditional bank run risks.
Community article

SmartCredit.io Emphasizes Self-Custody in DeFi Services

Thu 5th Jun 2025
SmartCredit.io is positioning itself as a comprehensive DeFi platform focused on true self-custody. The platform offers: - Custom income funds with fixed terms - Collateralized lending without pool risks - Audited smart contracts for secure vaults - Direct control of credit lines and funds The platform aims to provide traditional banking services while maintaining user sovereignty over assets. All operations run through verified smart contracts, eliminating intermediaries and pool-related risks. [Learn more about self-custodial DeFi](http://smartcredit.io)

BarakaFi Launches First Web3 Islamic Finance Platform

Thu 9th Jan 2025
BarakaFi has launched as the first Web3-based Islamic finance system, introducing a significant innovation in decentralized finance. Key features: - Peer-to-peer transactions instead of traditional DeFi asset pooling - Shariah-compliant financial services - Secure blockchain infrastructure - High-performance architecture The platform addresses a key limitation of current DeFi systems by eliminating asset pooling, which conflicts with Islamic finance principles. This makes digital financial services accessible to users requiring Shariah compliance.
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