Case summary
What happened
Current first-party materials identify Smart Lending Co., Ltd. as operator and describe 30-day ordinary and 365-day premium crypto lending. The terms state that ownership of lent crypto transfers to the company, lent assets are outside statutory segregated management, and repayment may fail if the company becomes insolvent.
Customer result
Customer outcome
Not applicable
No reviewed first-party source establishes a platform-wide failure, claims process, haircut or recovery event for Smart Lending.
- Estimated recovery
- Not applicable
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
The terms warn that principal and interest may not be returned if the company fails. Advertised fixed annualized rates and return-preparation statements remain operator claims rather than independent guarantees or proof of solvency.
- Affected product
- Smart Lending
- Confidence
- High
Current Smart Lending terms state that ownership of lent crypto transfers to Smart Lending Co., Ltd.; the lending exposure is unsecured, the service is not a deposit, and lent assets are outside statutory segregated management.
Known unknowns
Uncertainty
The exact original service-launch date is unresolved. Advertised 11%/13% annualized rates, yield-source explanations and reserve/return-preparation statements are operator claims and are not independently verified realized returns, proof of sustainability, reserves or solvency.
Chronology
Historical record
No events yet.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
status
1 sourcesSmart Lending service and company overview
Smart Lending Co., Ltd.
Current first-party service surface supporting live registration, deposit and lending application flows. Advertised 11%/13% annualized rates and yield-source/reserve statements are recorded only as operator claims.
terms risk
1 sourcesSmart Lending Terms of Service
Smart Lending Co., Ltd.
First-party authority for crypto-asset consumption-loan treatment, ownership transfer, unsecured exposure, non-deposit status, exclusion from statutory segregated management and non-return risk on company failure.
No evidence records match the current filters.
Comparative records