SmartCredit.io is a Decentral Finance application for crypto borrowing and lending. One of the crucial differences between SmartCredit.io and most other DeFi lending solutions today is that it focuses on fixed-income funds rather than money market funds. A SMARTCREDIT token can be used as a utility token or loyalty token on the SmartCredit.io platform. The token can also be used to collect liquidity to support borrowers, lenders, and extensions.