Credefi NFT Bonds Now Available on Polytrade Marketplace with 22% Yield and Real-World Asset Backing

Sofia, Bulgaria – March 31, 2025 – Credefi, a defi platform focused on lending backed by real-world assets, has announced the release of its NFT Bonds product on Polytrade’s Marketplace. The launch introduces a tokenized fixed-income instrument that is tradable, fractionalized, and collateralized with over $750,000 in real-world assets.

The NFT Bonds are now live on the Polytrade platform and offer a fixed annual yield of 22%, with returns distributed on a quarterly basis. The bonds have a maturity period of 12 months and are supported by loans issued to small and medium-sized enterprises (SMEs) across the European Union. Each loan is backed by tangible collateral, including real estate and future receivables, as part of Credefi’s approach to lending based on real-world asset security.

Credefi‘s lending model is designed to address the gap in the EU SME sector, which remains underserved by traditional banking systems. All borrowers on the platform are subject to a proprietary credit assessment process validated by Experian, with loan-to-value ratios capped at 120%. According to the platform, the current default rate is 0%, and the risk predictability rate exceeds 85%.

The NFT Bonds product allows users to participate in the lending ecosystem through tokenized exposure to SME credit. Bonds are issued as non-fungible tokens (NFTs), making them tradable on the secondary market. Users can acquire full or fractional ownership, enabling flexible participation levels.

This new product is part of Credefi’s broader portfolio, which includes diversified loan portfolios, single-loan exposures, and real-economy corporate bonds. As of the launch, Credefi reports that the platform has facilitated over $3.7 million in total liquidity.

The NFT Bonds are available through Polytrade’s Marketplace, a platform focused on real-world asset opportunities within the blockchain ecosystem. Polytrade supports a range of on-chain asset types and offers infrastructure for buying, selling, and managing real-world asset exposure.

Credefi incorporates a dual-token system consisting of $CREDI and $xCREDI. $CREDI is used for collateral protection and yield enhancement features, while $xCREDI, earned through staking in the platform’s Module X, serves both governance and utility functions. These tokens support user participation and additional security mechanisms across the platform.

Security is maintained through a multi-layered approach. Loans are collateralized with real-world assets to reduce exposure to volatility, and the platform’s risk models are developed to support predictable returns. Credefi offers borrowers flexible solutions based on collateral and individual risk profiles, while lenders receive access to products designed to provide stable income derived from real economic activity.

Credefi’s NFT Bonds can now be accessed directly on Polytrade’s Marketplace at https://lnk.polytrade.finance/credefi-bonds.

About Credefi

Credefi is a decentralized lending platform that enables real-world asset-backed debt products. Based in the European Union, the platform connects crypto lenders with SMEs seeking capital, using blockchain technology to structure loans backed by real estate, receivables, and other physical assets. Credefi applies rigorous credit assessments validated by third parties and aims to provide reliable returns while addressing the SME gap in the region.