Price change (24h):
0.00%
High (24h):
$
Low (24h):
$
Volume (24h):
$52.54
Market Cap:
$206.85K
All Time High:
99.01% $10.15
Feb 12, 2021
All Time Low:
2630% $0.00
Jan 31, 2024
SmartCredit
SMARTCREDIT57.36 %(1Y)
$0.100216
About SmartCredit
SmartCredit Token (SMARTCREDIT) launched in 2018 as the utility token of a decentralized lending protocol. It carves a niche at the intersection of undercollateralized borrower access and fixed-income products for lenders.
The protocol targets two persistent frictions in DeFi credit markets: the requirement for gross overcollateralization and the absence of predictable fixed-rate returns. Borrowers can secure loans with significantly reduced margin, bypassing the typical 150-200% collateral demands. On the other side, lenders deposit capital into dedicated fixed-income pools, locking in consistent yields over predetermined time horizons.
SmartCredit Token operates on the Ethereum network. No separate consensus layer or sidechain governs its logic; the protocol’s smart contracts enforce loan terms directly on the mainnet. This arrangement inherits Ethereum’s security while keeping the loan lifecycle transparent and tamper-proof.
The token conforms to the ERC-20 standard, its contract permanently embedded at an auditable Ethereum address. Every transfer, loan origination, and repayment event leaves an immutable trace accessible through Etherscan and other block explorers. The protocol integrates with Telegram-based analytics via the ChainAware bot, extending creditor oversight beyond conventional dashboards.
SmartCredit Token entered the market in February 2018, surfacing during the early wave of DeFi experimentation that followed the ICO era. The project gradually built a community presence through Twitter and Telegram channels, focusing on the niche of term-structured credit. The asset’s on-chain performance remains measured, reflected in a single active trading pair and a GitHub repository with zero starred engagements.
The project’s long-term aim centers on reconfiguring DeFi credit into a more capital-efficient and predictable instrument. By eliminating the universal overcollateralization requirement, it opens borrowing access to entities that cannot afford to immobilize large amounts of capital. Simultaneously, the fixed-income framework imports a product structure familiar to traditional finance, potentially attracting institutional yield seekers.
Within the protocol, SMARTCREDIT serves as the settlement unit for loan origination and interest distribution. Borrowers must obtain and post the token as margin to unlock low-collateral positions, while lenders receive SMARTCREDIT-denominated payouts aligned with fixed-rate terms. The token also underpins any credit score modeling or risk-tier adjustments the system applies to borrower profiles.
Lenders acquire SMARTCREDIT to deposit into fixed-income pools and compound returns at contracted rates. Borrowers procure the token to satisfy the underwriting requirement for a reduced-collateral loan, then repay principal and interest in the same asset. Market makers and arbitrageurs also engage with the token across the small handful of exchanges where it trades, bridging price discrepancies between on-chain and off-chain liquidity.
SmartCredit Token has a maximum supply of 25,000,000 tokens. Currently, 2,064,096.24 are in circulation. With a market capitalization of $317,737, SmartCredit Token (SMARTCREDIT) ranks #4,225 among all cryptocurrencies.
SmartCredit Historical Price Data
| Date | Open | Close | High | Low |
|---|---|---|---|---|
| 05/07/2026 | $0.10 | $0.10 | $0.10 | $0.10 |
| 04/07/2026 | $0.10 | $0.10 | $0.10 | $0.10 |
| 03/07/2026 | $0.10 | $0.10 | $0.10 | $0.10 |
Why is manual trading SmartCredit a bad idea?
Manual smartcredit trading
- Miss perfect entry/exit
- Emotional decisions
- Huge time to monitor
Stoic AI
-
AI trades 24/7 automatically Catch every opportunity
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Zero-emotion algorithm Disciplined strategy
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Passive income Set & forget automation
20,000+
traders trusted Stoic AI
$200M+
in cumulative assets under management since inception
2015
year of company foundation
FAQ
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SmartCredit (SMARTCREDIT) is a cryptocurrency that can be bought, sold, and traded on major exchanges. Its price changes in real time based on supply, demand, and broader market conditions. You can track the live SMARTCREDIT price, market cap, and 24-hour trading volume at the top of this page.
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The current price of SmartCredit (SMARTCREDIT) is $0.100216. Over the last 24 hours, it has moved 0.00%. Crypto prices update continuously, so short-term changes can happen quickly.
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You can buy SmartCredit on major exchanges like Binance, Coinbase, or KuCoin. However, simply buying and holding can be risky due to market volatility.
The smartest way to manage your SMARTCREDIT investment is to connect your exchange account to Stoic AI. This allows you to keep funds on your preferred exchange while our institutional-grade algorithm automates the trading strategy for you, aiming to outperform manual trading. -
SmartCredit's price is influenced by overall crypto market trends, trading volume, investor sentiment, regulatory news, and macroeconomic events. High volatility is common - SMARTCREDIT can move 5-15% in a single day. This makes timing the market extremely difficult for manual traders but creates opportunities for systematic, data-driven strategies.
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We can’t provide investment advice. Whether SmartCredit is a good investment depends on your risk tolerance, time horizon, and strategy. Crypto markets are highly volatile and past performance doesn't guarantee future results. Many investors reduce risk by diversifying across multiple assets and using automated strategies that remove emotional decision-making. Always do your own research before investing.
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Common approaches include buy & hold, discretionary trading based on technical analysis, or automated strategies. Manual trading can be difficult due to fees, timing, and emotional decisions. Stoic AI offers an out-of-the-box automated approach: connect your exchange via trade-only API permissions, choose a strategy, and the system manages portfolio rebalancing 24/7.
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Stoic AI uses hedge fund-grade quantitative strategies developed by Cindicator, a fintech company with 9+ years of experience and $230M+ in assets under management. The algorithm analyzes price data, volatility, and correlations to build and rebalance a diversified portfolio. SMARTCREDIT can be included based on real-time market conditions. Over 18,000 customers already use Stoic AI to automate their crypto portfolios.
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With Stoic AI, your funds stay on your exchange (Binance, Coinbase, KuCoin, etc.) at all times. Stoic connects via read-and-trade-only API keys - it cannot withdraw your funds. The platform uses institutional-grade risk management and has been live-tested through multiple market cycles since 2020, including the 2022 crypto winter. You maintain full control and can disconnect at any time.
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You can start with as little as $500. There are no lock-ups and no hidden fees. You can try it now and withdraw your funds at any time. Create a Stoic account, connect your exchange using an API key with trading‑only permissions, choose a strategy, and start automated trading. You can stop anytime by revoking the API key on your exchange. Since the funds stay in your exchange wallet, you remain in control of deposits and withdrawals.
