Ask about SmartCredit · freeTotal Value Locked$193,377
TVL by Chain
Ethereum$193,377
The chart plots Staking as its own series; it is not part of the TVL above.
Key Metrics
Market Cap$267,623
$SMARTCREDIT Price$0.12
Fully Diluted Valuation$2.97m
$SMARTCREDIT Volume 24h$63.94
CEX Volume$0
DEX Volume$64.16(100.34% of total)
Staked$142,436(53.22% of mcap)
Active Loans$182,996
Protocol Information
DeFi fixed-term / fixed-interest loans for the borrowers. DeFi personal fixed income funds for the lenders
Audits:
Methodology
TVL: Total value of all coins held in the smart contracts of the protocolView code on GitHubHacks
Date: May 4, 2026
Amount: $72,000
Classification: Protocol Logic
Technique: Unknown
On May 4, 2026, SmartCredit's Leveraged Lido staking module was exploited for 26.382 ETH (~$72K) via an undisclosed vulnerability. The team paused the feature and compensated users from the Loss Provision Fund; technical details were never published.
Chains: Ethereum
Language: Solidity
Target Type: DeFi Protocol
Competitors
SmartCredit history
TVL is the default DefiLlama definition, which excludes Active Loans and Staking. Daily values are UTC snapshots from Apr 26, 2022 to Nov 3, 2026.
All-time high TVL: $1.66m on Mar 12, 2024. All-time low TVL: $132,701 on Apr 27, 2022.
Daily TVL, Oct 5, 2026 to Nov 3, 2026
| Date | TVL |
|---|---|
| Oct 5, 2026 | $229,245 |
| Oct 6, 2026 | $228,424 |
| Oct 7, 2026 | $226,906 |
| Oct 8, 2026 | $216,647 |
| Oct 9, 2026 | $209,025 |
| Oct 10, 2026 | $209,761 |
| Oct 11, 2026 | $210,997 |
| Oct 12, 2026 | $214,321 |
| Oct 13, 2026 | $204,284 |
| Oct 14, 2026 | $210,776 |
| Oct 15, 2026 | $204,602 |
| Oct 16, 2026 | $206,045 |
| Oct 17, 2026 | $204,392 |
| Oct 18, 2026 | $203,212 |
| Oct 19, 2026 | $203,830 |
| Oct 20, 2026 | $201,962 |
| Oct 21, 2026 | $206,578 |
| Oct 22, 2026 | $208,994 |
| Oct 23, 2026 | $201,424 |
| Oct 24, 2026 | $200,131 |
| Oct 25, 2026 | $199,225 |
| Oct 26, 2026 | $196,248 |
| Oct 27, 2026 | $196,161 |
| Oct 28, 2026 | $198,976 |
| Oct 29, 2026 | $198,850 |
| Oct 30, 2026 | $188,551 |
| Oct 31, 2026 | $189,368 |
| Nov 1, 2026 | $191,262 |
| Nov 2, 2026 | $192,247 |
| Nov 3, 2026 | $190,417 |
TVL at each month end, Dec 2024 to Nov 2026
| Date | TVL |
|---|---|
| Dec 31, 2024 | $541,284 |
| Jan 31, 2025 | $406,668 |
| Feb 28, 2025 | $264,713 |
| Mar 31, 2025 | $226,922 |
| Apr 30, 2025 | $228,943 |
| May 31, 2025 | $276,859 |
| Jun 30, 2025 | $341,702 |
| Jul 31, 2025 | $540,363 |
| Aug 31, 2025 | $600,798 |
| Sep 30, 2025 | $580,352 |
| Oct 31, 2025 | $530,534 |
| Nov 30, 2025 | $427,162 |
| Dec 31, 2025 | $937,136 |
| Jan 31, 2026 | $852,616 |
| Feb 28, 2026 | $667,663 |
| Mar 31, 2026 | $646,739 |
| Apr 30, 2026 | $636,139 |
| May 31, 2026 | $200,670 |
| Jun 30, 2026 | $157,889 |
| Jul 31, 2026 | $171,857 |
| Aug 31, 2026 | $204,967 |
| Sep 30, 2026 | $224,985 |
| Oct 31, 2026 | $189,368 |
| Nov 3, 2026 (latest) | $190,417 |
TVL at each year end, Dec 31, 2022 to Dec 31, 2025
| Date | TVL |
|---|---|
| Dec 31, 2022 | $545,703 |
| Dec 31, 2023 | $1.02m |
| Dec 31, 2024 | $541,284 |
| Dec 31, 2025 | $937,136 |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/smartcredit
Frequently asked questions
What is SmartCredit's TVL?
As of Nov 3, 2026, SmartCredit has $193,377 in total value locked. TVL has decreased 14.6% over the past 30 days.
What chains does SmartCredit operate on?
SmartCredit operates on Ethereum. Ethereum holds the largest share at 100%.
What is the SMARTCREDIT token price and valuation?
SMARTCREDIT is currently trading at $0.12. Its circulating market capitalization is $267,771, ranking it #5,343. Its fully diluted valuation is $2.97m. Supply currently stands at 2.25m circulating, 25m total supply, 25m maximum supply.
How has SMARTCREDIT performed recently?
SMARTCREDIT is down 7.8% over the past 7 days and down 16.3% over the past 30 days. Its all-time high is $10.15, reached on Feb 12, 2021. The token is currently 98.8% below that level.
How does SmartCredit's TVL compare to similar protocols?
Among Lending protocols tracked by DefiLlama, SmartCredit ranks #183 by TVL. The category holds $50.644b across 520 protocols, and SmartCredit accounts for <0.1% of that total. Similar protocols include Aave V3, Morpho Blue, SparkLend, Maple, Compound V3, Venus Core Pool, Lista Lending, Aave V4, Fluid Lending, and Euler V2.
How much has been borrowed through SmartCredit?
As of Nov 3, 2026, SmartCredit has $182,996 in active loans.
Has SmartCredit ever been exploited?
SmartCredit has 1 recorded security incident. The most recent incident occurred on May 4, 2026 and involved $72,000. It was classified as Protocol Logic.