20 hours Ago
Credefi , a decentralized finance platform focused on lending backed by real-world assets, has announced the release of its NFT Bonds product on Polytrade’s Marketplace. The launch introduces a tokenized fixed-income instrument that is tradable, fractionalized, and collateralized with over $750,000 in real-world assets. Now in action on the Polytrade platform, NFT Bonds feature a fixed annual yield of 22%, with returns coming in quarterly.
The maturity period is 12 months and the bonds are backed by loans granted to SMEs across the European Union. Each loan is backed with tangible collateral, including real estate and future receivables, in line with Credefi's lending approach secured by real-world assets. Credit scoring methodology investigated for verification by Experian ensures all borrowers on the platform are validated and restricted to a 120% loan-to-value ratio.
With a stated default rate of 0% and risk predictability exceeding 85%, the platform is touted as favorable. The NFT Bonds product enables users to enter the lending ecosystem through tokenized exposure to SME credit. Bonds are issued as non-fungible tokens (NFTs), thus creating the ability for them to be traded on the secondary market.
Investors can purchase full or fractional ownership, allowing various levels of participation. This new product is part of a broader portfolio offered by Credefi, which includes diversified loan portfolios, single-loan exposures, and real-economy corporate bonds. As of the time of launch, Credefi reports that the platform has facilitated over $3.
7 million in total liquidity. The NFT Bonds are available through Polytrade’s Marketplace, a platform focused on real-world asset opportunities within the blockchain ecosystem. Polytrade supports a range of on-chain asset types and offers infrastructure for buying, selling, and managing real-world asset exposure.
Credefi's dual-token system consists of $CREDI and $xCREDI, where $CREDI is used for collateral protection and yield enhancement, $xCREDI earns Users through staking in the platform's Module X and has the rights attached to it as governance and utility. These tokens facilitate user participation and enhance security on the platform. Security is enforced using a multi-layered approach.
Loans are collateralized with real-world assets to curb volatility exposure, while risk models on the platform are built to maintain predictable returns. Credefi provides borrowers with flexible financing solutions based on their collateral and individual risk profiles, while lenders gain access to products providing stable income arising from actual economic activity. Credefi’s NFT Bonds can now be accessed directly on Polytrade’s Marketplace at https://lnk.
polytrade.finance/credefi-bonds . Credefi is a decentralized lending platform that enables investment in real-world asset-backed debt products.
Based in the European Union, the platform connects crypto lenders with SMEs seeking capital, using blockchain technology to structure loans backed by real estate, receivables, and other physical assets. Credefi applies rigorous credit assessments validated by third parties and aims to provide reliable returns while addressing the SME financing gap in the region. Join our WhatsApp Channel to get the latest news, exclusives and videos on WhatsApp _____________ Disclaimer: Analytics Insight does not provide financial advice or guidance.
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