Overview

A decentralized, AI-powered credit layer built on holistic PayFi infrastructure—seamlessly delivered through a user-friendly consumer app.

What is Credible Finance?

Credible Finance is the decentralized credit layer for Web3, designed to unlock real-world credit for crypto users without forcing them to sell their assets. By combining staking-backed credit cards, AI-powered onchain credit scoring, and regulated financial institutions partnerships, Credible enables a new class of crypto-native financial inclusion.

In the same way that secured credit cards help users build traditional credit in the fiat world (by using a refundable cash deposit), Credible introduces the staking-backed credit card — a fixed-limit credit card where crypto deposits remain staked, enabling users to start building a new form of credit profile: the Credible Score.

Credible cards are secured by $CRED node, stablecoins, SOL, BTC, 0G, and other whitelisted crypto assets through integrations with trusted DeFi protocols and staking partners. These assets are locked or delegated, not liquidated, ensuring users continue earning yield while accessing credit.

Over time, users with strong onchain repayment behavior and usage history can unlock no-collateral credit lines from locally licensed lending institutions that partner to use Credible Score. The ultimate goal is to create a self-sovereign, AI-powered credit identity recognized across DeFi and regulated lending ecosystems.

Vision & Mission

• Vision: To become the American Express of Web3, offering premium credit experiences for crypto users.

• Mission: Credit inclusivity for Web3 users Make real-world credit accessible to every Web3 user through decentralized, transparent, and AI-driven systems that work globally.

Why Credible is Different

• Real Credit, Not Prepaid Cards: Unlike many "crypto cards" that require upfront loading or liquidation of assets, Credible offers true credit lines.

• Staking-Backed & No-Collateral Options: Begin with a staking-backed card, then graduate to no-collateral credit as your onchain reputation improves.

• AI-Generated Onchain Credit Score: Our proprietary Credible Score system analyzes wallet behavior, repayment history, staking activity, and risk exposure — similar to how FICO works, but decentralized.

• Regulated & Global: We operate under licenses in Canada (MSB) and partner with licensed VASPs and NBFCs in India — enabling compliant, cross-border financial services.

Problems We Solve

• DeFi loans are overcollateralized: Users must lock 150%+ of what they borrow.

• No real credit card exists in crypto: Most cards are disguised debit cards with no real lending.

• Risky CeFi platforms: Centralized lenders often fail, lack transparency, and offer no user protection.

• No universal crypto credit score: Web3 users lack a standardized, portable reputation system for borrowing.

Technical Comparison

Feature	CeFi Lending	DeFi Lending	Credible Finance
Credit Type	Offchain	Overcollateralized	Staking-backed / No-collateral
Risk Management	Centralized	Smart Contracts	AI + Onchain Behavior
Credit Score	FICO/None	None	AI-powered Credible Score
Card Type	Prepaid/Virtual	N/A	True Credit (fixed limit)
Regulation	Varies	Unregulated	MSB/VASP/NBFC Partners
Cashback & Rewards	Minimal	None	BTC + $CRED Points

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Overview of the Product Suite

• Genesis Card: Limited-edition credit card backed by staked $CRED tokens and node licenses, offering fixed limits and premium BTC rewards.

• Rewards Card: Mainstream card product post-TGE offering cashback, staking incentives, and onchain score-building.

• Ascend Card: Premium card tier for power users, merchants, and high-volume borrowers with higher limits and LST collateral.

• Credit AI System: Proprietary AI model that evaluates wallet history, credit behavior, and staking data to issue the Credible Score.

• $CRED Token & Governance: Utility and governance token used for rewards, node licenses, credit upgrades, and DAO proposals.

• Developer SDK & Oracle Infrastructure: Tools and APIs to integrate Credible Score into third-party DApps, wallets, and fintech platforms.