## What Is SmartCredit.io?

SmartCredit.io is a Decentral Finance application for crypto borrowing and lending. The key features are:

* The low collateral ratio for the borrowers
* Personal Fixed Income Funds for the lenders
* Fixed-term and fixed interest loans


The key difference is that SmartCredit.io focuses on the DeFi fixed-income-funds as opposed to the DeFi money-market-funds (as most of DeFi lending solutions today).

SMARTCREDIT is the utility token for:


* Utility and loyalty token on the SmartCredit.io platform
* Collateral for the loans
* Liquidity mining for the borrowers, lenders, and integration pa (which integrate SmartCredit.io platform)


SmartCredit.io offers the following functionality: 


* Borrowers can receive fixed interest and fixed-term loans with a lower collateral ration than the money-market-funds
* Borrowers can complete the optional credit-scoring, which allows reducing the collateral ratio and the loan interest
* Lenders receive fixed interest instead of the fluctuating money-market-funds interest
* Lenders have their own Personal Fixed Income Funds
* Integrators can integrate our User Interface Widgets and earn loan origination fees plus reward tokens



## How Many SMARTCREDIT Coins Are There in Circulation?

10% of the total supply (2 500 000 tokens) are unlocked. 90% of the total supply (22 500 000 tokens) are time-locked with OpenZeppelin contracts and will be released 1/4 (in equal parts) in years 2, 3, 4, and 5. The current circulating supply is 1 106 625 SMARTCREDIT tokens.

Tokens allocation is the following:

* 40% for liquidity mining for integration-partners and users
* 10% for the marketing
* 10% for the team (starting from the second year, released ¼ per year)
* 20% for the liquidity provision
* 15% reserve and insurance funds





### Who Are the Founders SmartCredit.io?

The Co-Founders are Martin Ploom and Tarmo Ploom, Ph.D. Both are ex-Credit-Suisse Vice Presidents from Zurich, Switzerland. Both are MBA’s and CFA’s. They know the traditional banking and credit-systems inside out.

They are early blockchain adaptors, co-authored first german-language blockchain book, are giving lectures and write the blog: https://smartcredit.io/blog 


### More about SmartCredit.io

Blog: https://smartcredit.io/blog 
Medium: https://medium.com/smartcredit-io 
Twitter: https://twitter.com/smartcredit_io 
Telegram: https://t.me/SmartCredit_Community 

Application: https://app.smartcredit.io


### Where Can I Buy SMARTCREDIT?

SMARTCREDIT is listed on the Uniswap

New to cryptocurrency? Read CoinMarketCap’s [easy guide](https://coinmarketcap.com/how-to-buy-bitcoin/) to buying Bitcoin or any other token.

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