Sofia, Bulgaria – March 31, 2025 – Credefi, the European-based alternative lending platform bridging decentralized finance with real-world assets, has officially launched its highly anticipated NFT Bonds product on the Polytrade Marketplace. This new offering provides decentralized finance (DeFi) participants with the opportunity to invest in fractionalized, tradable debt instruments backed by real-world collateral, designed to deliver stable and predictable returns.
The NFT Bonds are now live on Polytrade, a leading Real World Asset (RWA) marketplace, and feature an impressive 22% annual yield. Each bond is underpinned by more than $750,000 in real-world asset collateral, ensuring an added layer of security for investors. Built to offer real yield with quarterly payouts, the bonds mature over a 12-month term, giving users exposure to fixed-income style instruments within the DeFi ecosystem.
Credefi’s NFT Bonds product marks a pivotal development in the RWA sector by merging the accessibility of decentralized markets with the reliability of real-economy lending. With bonds structured around secure EU SME loans, investors can now earn passive income from assets originating in the European Union’s real economy while mitigating risk through real asset backing.
Fractionalization of these NFT Bonds allows for broad accessibility, enabling retail and institutional investors alike to participate. Each bond is tokenized and available for trading on the Polytrade Marketplace, allowing users to manage their exposure dynamically throughout the investment lifecycle. This innovation provides liquidity and flexibility rarely found in traditional bond markets or typical DeFi offerings.
The Credefi NFT Bonds offering not only opens a gateway for fixed-income investors to access real yield in a decentralized manner but also supports the growth of small and medium-sized enterprises (SMEs) in the European Union. By allocating capital to underfinanced but creditworthy borrowers, Credefi’s model facilitates tangible real-world impact while delivering yield sourced from real economic activity rather than speculative DeFi mechanics.
All borrowers on Credefi’s platform are subject to a proprietary risk scoring model validated by Experian, ensuring stringent credit evaluation and loan underwriting standards. These loans are collateralized with diverse real-world assets including real estate and future receivables. With a loan-to-value ratio of 120%, a risk predictability rate of over 85%, and a current default rate of 0%, Credefi provides an exceptionally secure environment for lenders.
Credefi’s track record includes more than $3.7 million in liquidity provided and a growing user base of lenders who seek reliable returns without overexposure to crypto market volatility. The platform’s robust architecture includes a sophisticated token economy, featuring $CREDI for yield boosts and security, as well as $xCREDI, the utility and governance token used in Credefi’s Module X security mechanism.
The NFT Bonds product exemplifies Credefi’s ongoing mission to bridge the debt financing gap in the European Union, estimated at over $176 billion. Through blockchain technology, Credefi delivers scalable, transparent, and secure lending solutions that align the interests of both crypto lenders and traditional borrowers.
The launch in partnership with Polytrade represents a strategic move that enhances distribution and visibility for Credefi’s innovative lending products. Polytrade’s Marketplace is known for offering curated real-world asset-backed opportunities to on-chain investors, making it the ideal platform to host this breakthrough financial instrument.
Investors can now access Credefi’s NFT Bonds directly via the Polytrade Marketplace: https://lnk.polytrade.finance/credefi-bonds
About Credefi
Credefi is a decentralized finance platform focused on bridging the gap between traditional finance and DeFi through lending products backed by real-world assets. Based in the European Union, Credefi connects crypto lenders with creditworthy SMEs in need of capital, offering risk-assessed loans collateralized by real estate, future receivables, and more. Through its mission to deliver fair and accessible financing, Credefi enables stable returns for investors while fostering real-world economic impact. Credefi is audited, Experian-validated, and operates with a strong commitment to transparency, security, and innovation.
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