SmartCredit.io offers crypto P2P lending solutions: 1. Via the Credit As A Service API integration with crypto wallets, crypto marketplaces and crypto payment providers 2. Via Private Fixed Income Funds - Passive investors can define rules based investment strategy and earn passive income 3. Via low collateral requirements - Borrowers have 2x-3x less collateral requirements than other crypto platforms (the Co-Founders are CFA's).