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 loansThe 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