# Kredete

> Send money, Build credit

Kredete helps African immigrants in North America send money home to African countries while building credit through international transfers.

Kredete helps African immigrants in North America send money home to multiple African countries while building credit through international transfers. With it, users can manage USD banking, track credit scores, and access crypto trading features. Kredete combines remittance services with credit building technology to create financial opportunities for immigrants.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/kredete_io

## Products

- [Kredete App](https://thegrid.id/profiles/kredete_io): Kredete App is a financial platform enabling African immigrants to send money to their countries, build credit through international transfers, and access USD banking with FDIC-insured accounts. The system integrates stablecoin technology for secure cross-border payments while reporting transactions to credit bureaus for credit score improvement. (Peer to Peer & Remittance, Live, Main Product)
- [Kredete Spend Cards](https://thegrid.id/profiles/kredete_io): Kredete Spend Card is a stablecoin-backed payment card that enables users to spend USDC through the Visa network across 41+ African countries and 150+ million merchants worldwide. The system provides real-time blockchain settlement on Stellar network with instant FX conversion at point of purchase, allowing users to store value in digital dollars and spend globally. (Card, Live)

## Links

- [Main](https://www.kredete.io)
- [Terms of Service](https://www.kredete.io/legal/terms-of-service)
- [Privacy policy](https://www.kredete.io/legal/privacy-policy)
- [LinkedIn](https://www.linkedin.com/company/kredete)
- [Facebook](https://www.facebook.com/kredete)
- [Instagram](https://www.instagram.com/kredete)
- [Twitter / X](https://x.com/kredete)
- [YouTube](https://www.youtube.com/channel/UCsQyUSu5N5hAVpunJBBy28Q)
- [Medium](https://medium.com/@Kredete)

## 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