SmartCredit.io solution offers all the same what commercial banks are offering, but in a decentral way and in P2P way. Every lender will have capabilities of a commercial bank, every lender will become a commercial bank when using the SmartCredit.io platform. SmartCredit.io solution aims to disintermediate the commercial bank lending. It's designed to provide an alternative financial system, which allows 2-Click consumer credit, immediate liquidity for the lenders and VISA / MasterCard disintermediation.