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What is SpectroCoin?

Utilize your cryptocurrency holdings as collateral to obtain a loan via the SpectroCoin lending platform, which supports a range of currencies such as euros, Bitcoin, and Ethereum. Our services offer loan-to-value (LTV) ratios that vary between 25% and 75%. While opting for a higher LTV carries more risk, it allows clients to access larger loan sums backed by their crypto assets. We tailor our offerings to fit the unique needs of each individual, enabling you to secure a crypto credit that starts at just 25 EUR and can reach up to an impressive 1 million EUR. By using banker tokens, referred to as BNK, you can enjoy lower interest rates while simultaneously saving and earning. We take pride in delivering competitive loan terms with full transparency, ensuring that clients encounter no hidden fees. You also have the freedom to determine your loan repayment schedule, as long as it occurs before the loan's maturity date. To initiate the process, simply deposit your assets in the currency that matches your collateral choice, indicate the withdrawal amount you wish to receive, select your LTV and collateral type, and your funds will be efficiently transferred to your account. Our platform is meticulously crafted to provide a smooth lending experience that aligns with your financial goals and preferences, making it easier than ever to access the funds you need.

What is SmartCredit.io?

SmartCredit.io serves as a peer-to-peer lending platform that enables users to connect directly, eliminating the need for intermediaries that typically charge fees associated with traditional banking systems. Users have the capability to securely keep their cryptocurrency or ERC20 Smart Money tokens in standard wallets like MyEtherWallet. On the platform, borrowers can submit their loan requests while lenders can make corresponding offers, and the platform's matching engine efficiently pairs loan supply with demand. When a match is established, lenders can provide ETH for the loans, and borrowers can receive the ETH they require. Each loan agreement created is legally binding between the parties involved, ensuring accountability. Furthermore, every loan available through SmartCredit.io comes with insurance that covers its full value, enhancing security for all participants. The primary aim of SmartCredit.io is to forge vital components of an alternative financial ecosystem based on blockchain technology, encompassing not only crypto lending and borrowing but also fixed-income funds and various integrations designed to improve user experience. By optimizing these processes, SmartCredit.io seeks to transform the way individuals interact with financial services, making them more accessible and efficient. This innovative approach has the potential to reshape the landscape of modern finance.

Media

Media

Integrations Supported

Bitcoin
CoinLedger
Ethereum
Koinly

Integrations Supported

Bitcoin
CoinLedger
Ethereum
Koinly

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

SpectroCoin

Date Founded

2013

Company Location

Lithuania

Company Website

spectrocoin.com/en/crypto-loans.html

Company Facts

Organization Name

SmartCredit.io

Date Founded

2017

Company Location

Switzerland

Company Website

smartcredit.io

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