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

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 re-used 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 - Continuous Transaction Monitoring - Personal Fixed Income Funds All services maintain regulatory compliance while eliminating traditional bank run risks.
Community article

SmartCredit.io Introduces Proactive Liquidation Risk Alerts

Mon 4th Aug 2025
SmartCredit.io has launched a new risk monitoring system for DeFi borrowers. The platform automatically tracks loan positions and sends Telegram alerts when liquidation probability reaches critical levels. Key features: - Loans start at 5% liquidation probability - Automatic alerts trigger at 15% risk level - Users can choose to add collateral, repay partially, or maintain position The system aims to prevent surprise liquidations by giving borrowers advance warning and clear options for risk management. This proactive approach helps users make informed decisions before positions become critical. Visit [SmartCredit.io](http://SmartCredit.io) to learn more about risk-managed DeFi borrowing.
Community article

SmartCredits SDK Launches Fixed-Rate Lending Integration for dApps

Mon 11th Aug 2025
SmartCredits has released a new SDK enabling dApp developers to integrate fixed-rate lending functionality into their applications. Key features: - Fixed-rate borrow/lend capabilities - 50% revenue sharing model - Bonus $SMARTCREDIT token rewards - Built-in referral and volume tracking The SDK aims to help developers expand beyond basic token swaps to offer comprehensive lending services. Integration can be completed quickly while maintaining self-custody principles. [Learn more about SmartCredits SDK](https://smartcredit.io)
Community article

SmartCredit Launches Leveraged Lido Staking with Enhanced Risk Controls

Mon 11th Aug 2025
SmartCredit introduces a controlled approach to leveraged stETH staking with multiple safety features: - Leverage options from 2x to 5x on stETH staking - Fixed rate borrowing with predetermined costs - Real-time liquidation alerts via Telegram - Self-custodial position management The platform emphasizes risk control through: - Fixed terms and rates - Transparent cost structure - Active position monitoring - No pooled funds exposure Users can stake ETH, receive stETH, borrow more ETH at fixed rates, and repeat the process up to 5x while maintaining full control of their positions.
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.
dudes