# Credible Finance

> The open payments stack for internet-native businesses.

Credible Finance is a payments infrastructure provider offering stablecoin-based settlement for internet businesses. It provides pay-in, pay-out, collection accounts, and liquidity tools for fintechs, platforms, and traders.

Credible Finance is a payments infrastructure company that provides an open payments stack for internet-native businesses. Its platform combines regulated fiat rails with stablecoin settlement to offer pay-in acceptance, global pay-outs, multi-currency collection accounts, and pre-funding liquidity pools. The service targets fintechs, platforms, and other businesses that need faster settlement and broader payment method coverage than legacy processors typically offer.

The platform addresses the gap between instant on-chain settlement and slower traditional fiat clearing cycles. It converts inbound fiat receipts into stablecoins and back, using short-duration receivable-backed financing so that pay-ins and pay-outs can settle in near real time while underlying fiat and stablecoin legs continue to clear asynchronously. It is licensed as a money services business and operates through regulated banking and payment partners across multiple markets.

Its product suite includes pay-in and pay-out processing, named global collection accounts with local bank rails, stablecoin liquidity pools that let providers earn yield on short-duration payment financing, and Creddy, a stablecoin-based payment method for consumers and merchants. It serves industries such as prediction markets, stablecoin fintechs, creator platforms, and trading and brokerage businesses that require rapid settlement and broad payment method access. The company has shifted its focus from an earlier credit-scoring concept toward this payments and settlement infrastructure model.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- 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)
- [Pay-in](https://thegrid.id/profiles/Credible_Finance): Pay-in is a merchant payment gateway that lets businesses collect customer payments through cards, local payment rails, and bank transfer methods such as UPI, SEPA, and ACH. It settles collections either as stablecoins to a merchant wallet across multiple blockchains or as fiat to a bank account, advancing stablecoin liquidity through an integrated credit layer so merchants receive funds before the underlying fiat leg completes. The product is used by online businesses, marketplaces, and platforms that need to accept payments from customers across multiple countries and settle in their preferred currency or asset. (Merchant Payment Gateway, Live, Main Product)
- [Pay-out](https://thegrid.id/profiles/Credible_Finance): Pay-out is an On/Off Ramp product that converts stablecoins into local fiat currency for recipients across multiple markets. It routes USDC and USDT to bank accounts, mobile wallets, or payment cards, or settles on-chain, using stablecoin-backed liquidity to enable near-instant local payouts. Businesses making global payouts, such as marketplaces, creator platforms, and trading firms, use it to disburse funds without pre-funding local accounts in every market. (On/Off Ramp, Live)
- [Global Collection Account](https://thegrid.id/profiles/Credible_Finance): Global Collection Account is a financial services platform offering named multi-currency accounts that let businesses accept payments through local bank rails without incorporating in each market. It provides USD, EUR, and GBP accounts connected to ACH, SEPA, Fedwire, and Faster Payments, with same-day settlement and programmable treasury controls for managing balances across currencies. Digital businesses expanding into new regions use it to receive local payments while consolidating funds into a single treasury. (Financial Services Platform, Live)
- [Liquidity](https://thegrid.id/profiles/Credible_Finance): Liquidity is a decentralised lending product in which users deposit stablecoins into pools that fund pay-in and pay-out settlement before traditional payment rails complete. Deposits are matched against confirmed receivables from acquirers, banks, and pay-in providers through audited, non-custodial vault contracts, with capital recycling roughly every 72 hours as underlying transactions settle. Depositors receive chain-native receipt tokens representing their pool position and earn yield sourced from real payment volume rather than fixed rates. (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)
- [lUSDC-SOL (LUSDCSOL)](https://thegrid.id/profiles/Credible_Finance): lUSDC-SOL is a vault receipt token issued by Credible Finance representing deposits in its USDC liquidity pool on Solana. Holders earn yield generated from stablecoin pre-funding of pay-in and pay-out transactions secured by confirmed receivables. Its value accrues as pool interest compounds, reflecting the depositor's proportional claim on the underlying pool. (Vault Tokens)
- [lUSDT-POL (LUSDTPOL)](https://thegrid.id/profiles/Credible_Finance): lUSDT-POL is a vault receipt token issued by Credible Finance representing deposits in its USDT liquidity pool on Polygon. Holders earn yield from stablecoin pre-funding supporting APAC and MENA payout flows, secured against confirmed receivables. The token's balance reflects the depositor's proportional share of the pool's accrued interest. (Vault Tokens)

## 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)
- [Discord](https://discord.com/invite/tQWGdByJDd)
- [Discord](https://discord.com/invite/tQWGdByJDd)
- [Discord](https://discord.com/invite/tQWGdByJDd)
- [LinkedIn](https://linkedin.com/company/crediblefin)
- [GitHub](https://github.com/crediblefinance)

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