1. SmartFi’s unique lending process provides fiat liquidity to cryptocurrency holders without giving up ownership of the crypto 2. Through the unique lending model the SmartFi Token (SMTF) resists bear market volatility. 3. With Under certain conditions, the SmartFi’s unique cryptocurrency monetary policy the SmartFi token has a 100% buy-back guarantee. This guarantees SMTF holder their original purchase price back. SmartFi has created a unique financial model that creates a SmartFi Token (SMTF) that has safety first through its 100% buy back guarantee (guarantees SMTF holder their original purchase price back) and speculative price increase by indexing SMTF to the value of the SmartFi loan portfolio. This makes buying SmartFi Token simpler and safer. 4. SmartFi unique CeDefi model has also created a lending process that extends lending to the traditional small business borrower using the value of traditional real assets as collateral, This creates a decentralized monetary policy, essentially a lending process that can replace traditional lenders while relying solely on cryptocurrency value. It brings cryptocurrencies to the masses without changing the borrower’s experience. The borrowers are unaware that cryptocurrencies have funded their loans because they did not have to change anything about their underwriting or borrowing experience. SmartFi has made cryptocurrency funding of fiat loan seamless for the borrower.