About The Project

Credefi is the world's most advanced crypto peer 2 peer lending platform, that combines the best practices of DeFi and traditional finance. Our hybrid mechanism solves real life problems and inefficiencies of the conventional banking and finance sector, and provides unique opportunities for both borrowers and lenders. Credefi allows platform participants to invest in credit portfolios, individual credits, or do trade finance, directly through their personal wallet. Banking redefined.

Our Features

Why Credefi?


Our team is composed of international experts with strong management, financial and technical background.

Accredited financial institution

We believe that traditional finance should open up to crypto and we are here to achieve that.

High APY

We don’t do arbitrage between the lenders’ and the borrower’s agreed interest. The lenders are entitled to the entire interest of the facilities they finance.

Fair deals

We perform credit risk analysis on every application on our platform. We adjust our rating to the actual data. We help lenders and borrowers find the right balance.


We will implement 3-layer security for our platform lenders. It combines a DeFi tuned risk assessment process, security module and strategic partnership with an accredited financial institution.


In order to achieve a true decentralised decision making and autonomous lending platform, Credefi has designed a bridge between the current financial assessment tools and decentralised decision by the market participants.

Road map


Token distribution

Detailed information can be found in our token economy paper



Co-Founder & CEO

Ivo is an experienced Finance Specialist with a demonstrated history of working in the banking industry. He was extensively involved in the development and design of diverse financial instruments in both debt and equity segment. His skillset includes expertise in Market and Credit Risk, Capital Adequacy, and Management. As a strong banking and finance professional with a Master of Science (MSc) focused in Global Banking and Finance from European Business School (EBS) – London, he has proven track record on successful implementation of financial products. Ivo is in the blockchain and crypto market since early 2016 and a firm believer of its future applications.


Co-founder & COO

Valentin is a Co-Founder of Credefi and has a vast and diverse background in both the financial and technology sector. He gained his experience through his work for European Parliament (ECON committee), VTB Capital and a Fund Manager of Financial Instruments in Bulgaria with more than 600 million euro under its management. As an early adopter of bitcoin and Ethereum since 2013 while completing his degree in Bocconi University, and a technology enthusiast who has expertise in Cybersecurity matters, Valentin is a major asset of Credefi team.

Valery Beltchev


Graduate of Harvard University (MPA), MA in Finance and Banking from Paris 2 Pantheon-Assas, and PhD in banking from UNWE, Valery has a long track record in working with tier one banks such as HSBC, Fortis Bank and Crédit Agricole Bank in France. He has been in charge of big corporate clients with Société Générale in Bulgaria. He was a partner in the company representing Rothschild & Cie in Bulgaria. He was Head of Strategy and Development of the Bulgarian Development Bank, and Chairman & CEO of Fund Manager of Financial Instruments in Bulgaria (a national promotional institution operating as fund of funds for distribution of European Structural and Investment Funds with EUR 600 million assets under management). Valery has an immense drive for innovation and passion for fintech.

Lyubomir Blagov


Lyubomir has more than 10 years of experience in the technology sector. He has worked on multiple international projects with millions of daily users. Lyubomir possesses vast knowledge in established technologies and is always fascinated with the new ones, such as Blockchain. In addition, he founded a company that focuses on Ethereum and has already developed several successful projects. As a skilled professional, Lyubomir will be able to make the whole project become a reality and is therefore an integral part of Credefi team.

Alexandros Stylianidis

Following an Accounting and Finance degree from LSE, UK, Alexandros Stylianidis piled up a vast experience in the M&A department in PwC for the last 10 years. As a manager in the M&A department, Alexandros has been involved in leading deals around the world. He is currently Financial director of one of the leading companies in Greece – Unixfor, following a 5 years work experience there, prior to moving to London.

Ivaylo Hristov, FCCA

Ivaylo has been working in the Audit and Financial control for 13 years now. He was an audit manager in Deloitte, and internal auditor in government structures and public administration. His career includes also being financial analyst in a National Financial Supervision Commission as well as finance controller in the private insurance business. Ivaylo’s bachelor degree is on Macroeconomics and has master degrees in Public administration and Marketing. Since 2013 is a member of the Association of Chartered Certified Accountants, and since 2018 – Fellow member of the same.

Besart Xhaferri

Besart has a vast experience as an entrepreneurship in different European markets. He is a London School of Economics graduate and has piled up experience in start-ups in London. Besart is one of the first adopters of cryptocurrency in Albania and has been heavily involved in the cryptocurrency markets worldwide since. Furthermore, he is the founder and the CEO of E&B consultancy which operates in 6 countries in Europe with a focus on the UK market.

Qais Ammari

Qais is a Co-Founder and Chief Technology Officer at Triphop with over 15 years in software engineering. His strategic thinking and strong business acumen provide sound technical leadership in all aspects of Triphop business ensuring the company’s technologies are used appropriately.  Before founding Triphop, Qais was part of Mobileum for ten years as Pre Sales Director and Senior Technology Architect of the company's key accounts. Qais Ammari graduated with a BS in Computer Engineering.


Hristo Piyankov


10+ years of experience in analytics, data science, machine learning, big data and AI with a background in finance. He was the CRM Analytics Director for one of the largest consumer finance companies on the largest consumer market in the world (China). Participated in several projects with successful IDOs.

Marco Calicchia


A true, crypto veteran, Marco is Director of Business Development with CertiK - a leader in smart contract auditing and Insurance. He's working with top VCs to advise crypto startups with business development, investments, marketing, security, listing on exchanges. He's been in the advisory team of a dozen projects that underwent successful IDOs.

Our investors

Latest News

June 1, 2021

Credefi - Mitigating The Risks Of Investing In DeFi

Today we would like to touch upon a topic, which is heavily overlooked by the major DeFi players in the industry. We all know investing in all forms of DeFi can potentially bring lenders sustainable returns and on the contrary, reliable and low-fee loans for borrowers. However, all DeFi platforms, that promise high APY’s for their lenders, have one substantial flaw...

read more
May 5, 2021

Analysis of CREDI token and its role in the DeFi ecosystem

The rise of DeFi (Decentralized Finance) sector of the crypto industry has brought true banking service to the crypto world in a fully decentralized manner. Users are now no longer limited to only making decentralized payments. Instead, they can use DeFi to participate in numerous activities meant for improving the work of crypto networks, while simultaneously it grants users...

read more
May 16, 2021

Ethereum Faces Weekend Rout, But Some See ETH Doubling From Here

“We predict that the price will most probably double from its current state by the end of 2021 to hit over $8,000 per coin,” says Ivo Grigorov, co-founder & CEO of Credefi, a DeFi lending marketplace based in Sofia, Bulgaria. Judging by the current momentum of the cryptocurrency space and the increased interest in Ethereum...

read more
April 21, 2021

10 Questions for Ivo Grigorov, the CEO of Credefi

According to Better Markets, U.S. global banks, including JP Morgan and Wells Fargo, had racked up over $200 billion as fines and penalties in 20 years by December 2020. Charges ranged from money laundering, fraud, and other criminal conducts. When banks were crippling the global economy, Bitcoin and blockchain were being launched. Today, the technology has evolved to include ...

read more
April 13, 2021

New DeFi Lending Project Credefi Offers A Unique Approach To Lending And Investing

The crypto industry has a lot going on right now. The year 2021 has brought an explosion of a new trend featuring NFTs, which have spread so strongly and quickly that even non-crypto institutions, groups, organizations, companies, and others are joining up. The most recent reports claim that even Playboy and ...

read more
April 12, 2021

The World of the Traditional Credit Industry Can Leverage Blockchain Through Credefi

People heavily depend on banks to live in the modern world. Even the most basic of our activities, such as buying from groceries, is mostly done through our credit cards, a means of taking out a loan that is to be paid back. In any kind of credit service, be it swiping a card or mortgage, banks, at their end generate the funds through investors and loan ...

read more