Credefi Finance is a pioneer in the DeFi space, bringing together crypto lenders and SME borrowers from the real economy. The platform provides decentralized and secure lending to enterprise portfolios, protecting lenders and providing them with a fixed APY that does not correlate with the volatility of the cryptocurrency markets.
About Credefi Finance
Credefi Finance will take full advantage of blockchain decentralized finance with direct peer-to-peer finance, liberalizing the process of lending and borrowing by connecting willing parties around the world. In addition to secured loans, the Credefi platform will be able to provide zero-collateral loans on a case-by-case basis.
Credefi addresses some of the key issues that DeFi and TradFi are facing today:
| 1. | DeFi yields are fickle, fragile and evaporate in a bear market. |
| 2. | DeFi borrowers are speculative and fickle and cannot meet the DeFi lending offer. |
| 3. | SMEs have historically been underserved by traditional banks and borrow at high interest rates. |
| 4. | There are not enough lenders to meet SMEs' demand for loans, pushing SMEs towards alternative lending solutions. |
CREDI token holders can lend stablecoins for loan portfolios with low to high risk profiles. The platform will provide lenders with risk assessment and credit rating data so they can make an informed investment decision. Loan portfolios will reach APY of 10% or more, depending on the user's risk appetite.
The project aims to combine traditional banking instruments with the aspect of decentralization, offering its clients a full range of services. Credefi will introduce trade finance as a service offering. Lenders and borrowers will be able not only to meet in a transaction, but also to sign a letter of credit or a letter of guarantee, as well as factoring services.
Why should you choose this defi app?
The Credefi Finance team consists of international experts with strong managerial, financial and technical experience. A strategic partnership with an EU-accredited financial institution enables real collateral, making life easier for business borrowers. Lenders are entitled to all interest on the properties they finance.
Credefi will implement a decentralized governance and operation model through our xCredi governance token and will gradually increase community participation in the lending process.