SmartCred is powered by our machine learning credit engine allowing free overdraft capabilities to be embedded directly into digital wallets and payment platforms. These overdrafts are based on direct deposits. Users who have repeated direct deposits coming from third parties such as employers, clients, family or friends are entitled to spend 20% of that deposit amount on any debit card or digital wallet purchase. SmartCred limits start at $20 where the limits can be increased based on account activity and history.