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Credefi

“Can a DeFi-native RWA lending protocol become the primary bridge between on-chain crypto liquidity and underserved EU SME debt financing at scale?”

HQVilnius, Lithuania (with presence in Bulgaria and United Kingdom)
Total raised$1.8M
IndustryFintech / Lending
The story

Credefi launched as a DeFi-native RWA lending protocol bridging crypto liquidity with EU SME debt financing, deploying initially on Ethereum and Binance Smart Chain. The platform evolved from pooled risk-portfolio products toward peer-to-peer and trade finance offerings, adding Experian-validated credit scoring to add traditional underwriting rigor to its on-chain model. Its embedded finance angle is the tokenization of real-world loan collateral (real estate, invoices, receivables) as NFT bonds tradable on RWA marketplaces, positioning Credefi at the intersection of DeFi infrastructure and traditional SME lending.

Last 12 months
2025-04
2025-09
Product timeline
2022
Launched Stage 1 of the protocol: risk-categorized credit portfolios offering fixed APYs to lenders on Ethereum and Binance Smart Chain.· lending
2023
Partnered with Experian for credit scoring and risk assessment validation for EU SME borrowers.· lending
2025
Launched NFT Bonds on Polytrade's RWA Marketplace, offering 22% annual yield backed by over $750,000 in real-world collateral.· lending
2025
Launched Brickken x Credefi incentive pool campaign, expanding RWA collateral to tokenized assets.· lending
2025
Introduced factoring/invoice financing product for EU SMEs, enabling cash flow against 60–90 day invoices.· lending
The stack
1 layer disclosed in Credefi’s embedded-finance stack
Lending
EU SME collateral-backed loansRisk-categorized credit portfolios (fixed APY)Peer-to-peer lending (Stage 2)Trade finance / letters of credit (Stage 3)Invoice factoringNFT Bonds (RWA-backed, 22% yield, 12-month maturity)
Accounting gap: none

Credefi — frequently asked

Where is Credefi headquartered?

Credefi is headquartered in Vilnius, Lithuania (with presence in Bulgaria and United Kingdom).

How much funding has Credefi raised?

Credefi has raised $1.8M in total.

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