$CREDI

Key Functions of $CREDI Loan Security: $CREDI tokens act as an additional security layer for loans issued on the Credefi platform. They can be deposited into Module X, where they serve to remunerate liquidity providers in case of defaults on loans. This mechanism mitigates the risks associated with delayed collateral liquidation.

Fee Discounts & Yield Boosts: Lenders can use $CREDI to boost their yields, reducing the margin Credefi collects on loans by up to 33%. Borrowers can reduce their origination fees by up to 33% through the use of $CREDI tokens, making it an attractive option for those borrowing from the platform.

Staking and Tier Benefits: Users can stake $CREDI to raise their annual percentage yield (APY). There are three staking tiers with different benefits: Common: 0.5% APY increase Standard: 1% APY increase Premium: 2% APY increase Example: If a user has $1,000 in a 20% APY portfolio and stakes $CREDI under the Standard tier (1%), their total APY would increase to 21%.

Collateral Protection Insurance (CPI): With the introduction of Credefi 2.0, $CREDI can be used to secure Collateral Protection Insurance (CPI). This insurance policy protects lenders in the event of borrower default and can be structured in different tiers, with higher tier policyholders receiving priority in the reimbursement process.

Token Distribution & Inflation The $CREDI token will have a perpetual inflation rate of 5% annually, based on the initial supply of 1 billion tokens. The inflation will be split and distributed through platform activity as follows: 40% to users providing lending liquidity on the platform. 10% to liquidity providers for $CREDI on decentralized exchanges (DEX). 50% to liquidity providers who deposit xCREDI LP tokens into the Security Module.

Ways to Obtain CREDI Users can acquire $CREDI in several ways: Purchase from a DEX (Decentralized Exchange): Directly buy $CREDI through popular DEX platforms. Purchase from a CEX (Centralized Exchange): Users can also purchase $CREDI through centralized exchanges, depending on availability. Earn as a Reward: Users can earn $CREDI by participating in: Providing lending liquidity on the platform. Providing token liquidity on DEX platforms. Staking xCREDI LP tokens in the Security Module.

Utility and Functions of $CREDI Security Module: Tokens deposited into Module X are burned after six months, and in return, $xCREDI is minted. This process helps secure the platform while giving participants access to governance and profit-sharing. Fee Reduction and Yield Boost: As a fee/boost mechanism, $CREDI reduces loan fees and increases returns for users who interact with the Credefi platform (both lenders and borrowers). Collateral Protection Insurance (CPI): Users can stake $CREDI to secure insurance against borrower defaults, providing additional safety for lending activities.

Summary: Benefits for CREDI Holders Security: Provides an additional layer of security for loans issued on the platform. Rewards: Users can earn $CREDI by providing liquidity and participating in the security module. Fee Discounts & Yield Boost: Lenders can increase their yield, while borrowers benefit from reduced fees. Insurance: $CREDI can be used to purchase Collateral Protection Insurance, safeguarding lenders from defaults.

$CREDI serves as the backbone of Credefi’s ecosystem, rewarding users for their participation while providing a crucial layer of security for the platform's activities. Whether through boosting yields, reducing fees, securing insurance, or supporting liquidity, $CREDI enhances the entire Credefi experience.