My new gem is YieldCredit ( $YLD ). Many people might be confused by the name, but it has nothing to do with Merunas and his $YELD. There is also another YieldApp token with the same ticker, but again, there is no connection between them. $YLD is pretty under the radar until now.

YieldCredit is the first P2P lending dapp. From the perspective of the traditional, non-crypto world, Yield is essentially Mintos. Anyone can place a lending offer or a borrow request on the YieldCredit platform and have it funded by the corresponding peer, no questions asked.

When creating a lending offer, you can choose anything from 2% up to 12.5% interest. The same goes for borrowers, and to compensate for the usual favoring lenders over borrowers, for every loan successfully repaid, the borrower can earn up to 350 $YLD.

YieldCredit has innovative tokenomics to support the $YLD token value. 100% of fees is used to burn $YLD, and at a rate that is more aggressive than most, if not all, other implementations. YieldCredit has also the most options available to use as collateral.

YieldCredit has a partnership with Chainlink, using their oracles, giving solid pricing for all assets. The mainnet will be in a few weeks at most, so you all have time to accumulate. Main competitors for $YLD are: $AAVE, $CEL and $COMP.

What are the main advantages of $YLD against its competitors? It offers individualised loans, guaranteed interest rate, extensive collateral options, borrowers earn $YLD tokens for simply repaying their loans on time, 100% of fees are used to buy-back and burn $YLD.

$YLD has a flexible supply, it mints every time a borrower will pay his loan on time and it burns tokens every time fees are earned, so the supply will be kept balanced all the time. Right now the total supply is 622k and circulating supply is 288k. The market cap is $17 mil.

$AAVE has a 12.3 mil. circulating supply and $2.3 bil. market cap, $CEL has a 383 mil. circulating supply and $1.75 bil. market cap, and $COMP has a 4.2 mil. circulating supply and $0.94 bil. market cap.

So, if $YLD will get 36% of $COMP mcap or 19% of $CEL mcap or 2.7% of $AAVE mcap, it will 20x from here. So this is my prediction, $YLD will be $1000+ in the next few months. We are early, and if this bullrun will continue for one more year, even $2000+ might be conservative.

Two interesting articles about YieldCredit:

https://yieldcredit.medium.com/what-is-yield-d56cca678033

https://www.publish0x.com/yieldcredit/the-defi-lending-harvest-is-upon-us-is-your-allotment-ready-xgplkzd

You can also stake your $YLD LPs in the $YLD Garden, in two pools $ETH - $YLD and $RFI - $YLD. The offer expires on 6th February.

Before screaming "the liq isn't locked, rug!", creating unnecessary panick, you must know that all the liquidity is community provided and is very well distributed, so a rug is practically impossible in my opinion.

Very nice and helpful community, which makes me even more bullish on $YLD. You will hear some rumours about some Andre Cronje connection with $YLD. I don't know if he is involved, but surely he might be in the future, why not.

Official Website: https://www.yield.credit/ 
Twitter: https://twitter.com/YieldCredit 
Telegram: http://t.me/yieldchat 
Coingecko: https://www.coingecko.com/ro/coins/yield 
Official contract: 0xdcb01cc464238396e213a6fdd933e36796eaff9f