CREDI Token Utilities:
Lending & Borrowing: CREDI is used within the Credefi platform to facilitate decentralized lending and borrowing, allowing users to access liquidity or earn interest.
Staking & Rewards: Users can stake CREDI to earn rewards, incentivizing long-term holding and platform engagement.
Driving the Economy: Every step in the collateralization process—from asset review to deployment—requires $CREDI. This creates continuous demand for the token while supporting revenue streams.
Transaction Fees: CREDI may be used to pay for certain fees within the ecosystem, providing a seamless user experience.
Bank Transfers & Fees Reduction: Users who hold at least $1,000 worth of CREDI we’ll benefit from a 50% reduction in transaction fees.
Fee Discount & Yield/Boost: Lenders can boost their yield by up to 33% and Borrowers can reduce origination fees by up to 33%.
Collateral Protection Insurance: CREDI secures insurance for lender protection in case of borrower default. Tiers provide priority in reimbursement for higher-tier policyholders.
APY Boost: Stake CREDI to raise stable coin APY from 0.5% to 2%. Levels: Common (0.5%), Standard (1%), Premium (2%).
Instant ROI: Holding CREDI makes you eligible for Instant Return on Investments upon lending.
xCREDI Token Utilities:
Governance Participation: xCREDI holders participate in future project developments through governance.
Instant ROI: Staking 100 xCREDI makes you eligible for Instant Return on Investments upon lending.
Extra Interest: Staking 1,000 xCREDI makes you eligible for Instant ROI + 2% Extra Interest.
Investment Insurance: Staking 10,000 xCREDI makes you eligible for Instant ROI + 2% Extra Inter4est and Investment Insurance.
Bank Transfers & Fees Reduction: Users who hold at least $1,000 xCREDI will benefit from a 100% reduction in transaction fees.
Revenue Share: 10% of the monthly revenue is split among xCREDI holders who have staked their tokens within the platform.
Exclusive Platform Benefits: Holding xCREDI may grant access to premium features, priority lending pools, or additional incentives not available to standard users.
How They Work Together
CREDI and xCREDI complement each other to drive Credefi’s ecosystem by balancing utility, rewards, and governance. CREDI fuels the platform’s economy—enabling lending, borrowing, staking rewards, fee reductions, APY boosts, and collateral protection. It creates continuous demand through its role in transaction fees and insurance mechanisms.
On the other hand, xCREDI enhances governance participation and unlocks exclusive benefits such as revenue sharing, investment insurance, and higher fee reductions. By staking xCREDI, users gain even more advantages, including increased interest earnings and premium platform access.
Together, CREDI powers the financial operations, while xCREDI rewards long-term commitment and deeper ecosystem involvement—creating a balanced, incentive-driven system for users.