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...