P2P crypto lending, low collateral, tokenized and transferablePatent pending

“For 5’000 years, societies have been built on

decentral credit and credit-money”

TODAY OVER 85% OF GLOBAL SPEND IS

ON CREDIT

Crypto LENDING BUSINESS HAS EMERGED

• 80% of solutions control your keys …

• Low capability to borrow for borrowers

• No transferability of loans for lenders

• No credit ratings

• No “Credit As A Service” API for integration

But

SOLUTION

4 Steps Ecosystem

1060

Solution- 4 Steps Ecosystem

01

02

03

04

Low Collateral for Borrowers

Credit Tokenization +Transferability for Lenders

Private fixed income fundsfor passive Investors

Credit As A Service API

for other Platforms

For Borrowers - Low Collateral / High Capability to Borrow

via

1 Credit Ratings

Dynamic collateral

calculation

Loss Provisions Fund2

3

For Lenders - Others just offer a marketplace

This is what all other lenders do

Collateral

SmartCredit.io =Marketplace + Transferable Tokenized Credit

Collateral

8 Credit Coins

1 Credit Coins

3 Credit Coins

This is what we do

Benefits - Lenders get liquidity and safe investments

Transferable debt = liquidity for lender

Value protected debt

Competitive Rate of returns

Benefits - Borrowers get low collateral requirements

High

Capability

to

BorrowSmartCredit

Rates

(10-15%)

Two Click

Consumer

Credit

Benefits - Investors will get passive income

Private FixedIncome Fund

Immediately Transferrable

Passive Income

Benefits – Other Platforms get Credit As A Service API

• Earn revenues

• Value added services to

users

• Users will be bound to

the wallet

Benefits for Platforms

Single workplace

for the users –

transactions,

exchange

and credit

Benefits for Users

Global Roadmap

DEC 17 MAY 18 FEB 19DEC 18 APR 19 MAR 2020 +6 M+6 M

White

Paper

published

Licences

Marketplace

Launch

Registration

open

Minimum

Viable ProductPilot

Cross-

Chain

Collateral

Self-

lending

TEAMEXPERTS EXPERIENCE

Martin Ploom,CEO

Former VP of Credit Suisse, built 3 AI-based products,3 masters degrees + EMBA + CFA III

Tarmo Ploom, PhD, CTO

Credit Suisse, Distinguished IT Architect

(OpenGroup), 3 masters degrees +MBA + CFA + CAIA

TEAMEXPERTS EXPERIENCE

Daniel Burgwinkel, PhDFormer dept head for Credit Suisse, wrote thesis on digital contracts &

law before bitcoin whitepaper

Norbert PerrotHead of Credit Risk for the biggest consumer lending bank in Switzerland

Bodo Näef, PhD15 years in Credit Suisse private banking

Jon MatonisFounding director of the Bitcoin Foundation

Asse SaugaFounding director of Bitcoin Foundation Estonia

Risk versus Collateral MatrixCollateral

Very good

400%

Credit

scoreGood Fair No rating

300%

200%

100%

SmartCredit.io SmartCredit.io SmartCredit.io

SmartCredit.io

MakerDAO DAI

Compound

Capability to Borrow versus Collateral

Capability

to Borrow

Collateral

MakerDAO DAI

Compound

SmartCredit.io

JOIN THE REVOLUTION!