SmartCredit Token (SMARTCREDIT) Ethereum

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