# 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 provider that offers an open payments stack for internet businesses. Its platform combines local payment rails with stablecoin settlement to provide pay-in acceptance, global pay-outs, multi-currency collection accounts, and prefunding liquidity pools. It targets risk-aware businesses that need faster settlement and broader payment method coverage than traditional gateways.

The platform closes the gap between instant onchain settlement and slower traditional clearing cycles. It routes payments across acquirers and local rails, and uses short-duration, receivable-backed liquidity from stablecoin pools to pay merchants before the underlying settlement completes. Credible operates through licensed local partners across multiple markets.

Its products are Pay-in, Pay-out, Global Collection Account, Liquidity, and Creddy, a stablecoin payment method for consumers and merchants. Fintechs, platforms, remittance and creator businesses, and trading firms use it.

- 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 was a credit card secured by staked CRED tokens, offering fixed limits and rewards in bitcoin. It is no longer offered. (Card, Discontinued)
- [Rewards Card](https://thegrid.id/profiles/Credible_Finance): Rewards Card was a card that paid cashback in bitcoin and CRED on everyday retail spending. It is no longer offered. (Card, Discontinued)
- [Ascend Card](https://thegrid.id/profiles/Credible_Finance): Ascend Card was a credit card for high-volume users with flexible limits based on staking and a Credible Score. It is no longer offered. (Card, Discontinued)
- [Pay-in](https://thegrid.id/profiles/Credible_Finance): Pay-in is a payment gateway that lets businesses collect customer payments through cards, local payment rails, and bank transfers. It settles collections as stablecoins to a merchant wallet across multiple blockchains or as fiat to a bank account, with stablecoin liquidity advanced through an integrated credit layer so merchants are paid before the underlying fiat leg clears. Online businesses, marketplaces, and platforms that accept payments across multiple countries use it. (Merchant Payment Gateway, Live, Main Product)
- [Pay-out](https://thegrid.id/profiles/Credible_Finance): Pay-out is an on and off ramp that converts stablecoins into local fiat currency for recipients across multiple markets. It sends funds to bank accounts, mobile wallets, or payment cards, or settles onchain, using stablecoin-backed liquidity for near-instant local payouts. 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. Accounts connect to local bank networks 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 and consolidate funds into one treasury. (Financial Services Platform, Live)
- [Liquidity](https://thegrid.id/profiles/Credible_Finance): Liquidity is a decentralized 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 through non-custodial vault contracts, and capital recycles as the underlying transactions settle. Depositors receive receipt tokens representing their pool position and earn yield sourced from real payment volume. (Decentralised Borrowing & Lending, Live)
- [Creddy](https://thegrid.id/profiles/Credible_Finance): Creddy is a universal stablecoin payment method that lets individuals top up locally and spend globally. Users top up in a local currency and hold or settle balances in a chosen stablecoin, with funds withdrawable to a local bank or held as a dollar stablecoin. It serves consumers and merchants moving funds across currencies in a single flow. (Peer to Peer & Remittance, In Development)

## Assets

- [CRED Token (CRED)](https://thegrid.id/profiles/Credible_Finance): CRED is the governance token of Credible. It lets holders take part in community governance of the project's open payments stack. (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 that supports 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)
- [Twitter / X](https://x.com/crediblefin)
- [Discord](https://discord.com/invite/tQWGdByJDd)
- [LinkedIn](https://linkedin.com/company/crediblefin)
- [GitHub](https://github.com/crediblefinance)

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