Why CREDI Fixed-Income Offering is More Relevant Than Ever

Like many people in the UK, I woke up this morning to two troubling headlines:

• Proof that one of the UK’s largest banks has significantly cut lending to Small and Medium Enterprises (SMEs), classifying them as “distressed assets.”

• Yet another drop in the value of pension funds.

Having spent over a decade working in Private Credit—particularly B2B lending to SMEs—I’ve experienced both the pitfalls and the incredible potential of this sector first-hand. Coming from a blue-collar, entrepreneurial family, I’ve always believed in the essential role SMEs play in driving economic growth.

We often hear that SMEs are the backbone of the economy, and it’s not just a saying—the numbers speak for themselves:

• SMEs account for 60–70% of job creation in most economies.

• They’re agile, adaptable, and often lead the way in innovation.

• Economies that support a diverse SME ecosystem are generally

  more resilient to market shocks, due to less dependence on a few large industries.

Despite their importance, SMEs remain poorly supported by traditional financial institutions. In fact, the Bank of England estimates a £22 billion funding gap for British SMEs.

At the same time, institutional and private investors are once again feeling the sting of market volatility—something that’s become all too common since 2008. Traditional investment funds, especially those focused on long-term stock and equity strategies, continue to deliver underwhelming returns.

This morning, financial commentators urged investors to stay calm and stick with their “buy-and-hold” strategies—arguing that returns will come... eventually. That may be true. But at what cost? And is the wait really worth it?

Enter $CREDI – A Relevant Alternative

I’m not going to claim that CREDI is better than all other options. I respect the expertise required to build and manage traditional funds. But I am convinced that CREDI offers something different—and highly relevant—in today’s environment.

What We Offer

Our platform allows institutional and traditional investors to mint (buy) $CREDI tokens and stake (lock) them for periods ranging from 3 to 24 months, generating returns from 12% to 18% per annum.

The capital raised through token minting is deployed into high-quality Invoice Finance and Receivables Finance facilities for SMEs—unlocking essential working capital and fuelling their growth.

By operating on the blockchain, our offering benefits from increased transparency, improved liquidity, and reduced inefficiencies. In short, it’s akin to a fixed-income product that generates robust and transparent returns, while supporting the real economy.

Comparing Returns

To show how our offering stacks up, I compared the performance of our 24-month staking product to two funds from my own pension account. Both are rated 4 stars by Morningstar and are managed by well-known institutions—one focuses on UK stocks, the other on US equities.

Our current 24-month staking product pays UK Base Rate + 13.5% fixed per annum.

Here’s a summary of the results:

In every scenario, our offering outperformed both traditional equity funds and their category benchmarks.

So, What If There Is a Better Way?

What if there was a way to support the real economy and deliver superior returns for investors?

We believe that’s exactly what CREDI offers.