# Credible Finance

> The Decentralized AI Credit Layer.

Credible Finance offers decentralized, AI-powered credit solutions for Web3 users.

Credible Finance connects decentralized stablecoin lenders with asset-backed credit opportunities. Users can access credit through AI-powered scoring and staking-backed credit cards, building financial identity in a Web3-integrated ecosystem. Their infrastructure supports both retail and institutional lending, enhancing credit inclusivity globally.

- Type: Project
- Sector: Finance
- Status: Announced
- Founded: 2023-12-01
- Profile: https://thegrid.id/profiles/Credible_Finance

## Products

- [Credible Consumer App](https://thegrid.id/profiles/Credible_Finance): Consumer App manages decentralized credit, enabling card management and financial service access without selling crypto. (Developer Tooling, In Development, Main Product)
- [Genesis Card](https://thegrid.id/profiles/Credible_Finance): Genesis Card is a credit solution backed by staked $CRED tokens, offering fixed limits and BTC rewards. (Card, Live)
- [Rewards Card](https://thegrid.id/profiles/Credible_Finance): Rewards Card offers cashback in BTC and $CRED for daily retail spending. (Card, Live)
- [Ascend Card](https://thegrid.id/profiles/Credible_Finance): Ascend Card targets high-volume users with flexible credit limits based on staking and Credible Score. (Card, Live)

## Assets

- [CRED Token (CRED)](https://thegrid.id/profiles/Credible_Finance): CRED is the governance token of Credible Finance. It is used for staking, governance participation, and lender rewards within the platform's AI-powered credit ecosystem. The token backs the Genesis Card through staking, allowing users to access credit secured by their staked CRED holdings, enabling crypto holders to obtain real-world credit without selling their assets. (Governance)

## Links

- [Blog](https://medium.com/@credible_finance)
- [Documentation](https://credible.gitbook.io/docs)
- [Whitepaper](https://docsend.com/view/c4nm6fpy6kfk2vez)
- [Main](https://credible.finance)
- [Privacy policy](https://credible.finance/privacy-policy)
- [Terms of Service](https://credible.finance/terms-condition)
- [Telegram](https://t.me/crediblefinance)
- [Discord](https://discord.com/invite/f2eDDRpXur)
- [Twitter / X](https://x.com/crediblefin)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP