Overview

Credible is a PayFi platform combining DeFi with licensed fintech to offer overcollateralized credit lines, AI-powered underwriting, and flexible loan products across global markets.

Credible is a full-stack payment financing platform that seamlessly integrates DeFi protocols with licensed fintech solutions to deliver overcollateralized credit offerings for both institutional and retail users. Through the use of OracleAI, the AI-powered credit scoring and advanced underwriting oracles, Credible provides asset-backed credit lines, with future plans to expand into under-collateralized and no-collateral loans on-chain. Serving diverse markets such as the UAE, Singapore, Philippines, India, and Brazil, Credible offers a range of flexible loan products, including invoice financing, payroll financing, short-term working capital, and Buy Now Pay Later solutions.

Key Features:

• Overcollateralized Credit: Loans are secured by cryptocurrency assets and tokenized real-world assets (RWAs), with full transparency and on-chain collateral management.

• Debt Tokenization: Lenders can mint tradable debt tokens representing their lending positions, enabling liquidity without lock-up periods.

• Fiat Payments: While loans are issued in stablecoins, payments are settled in fiat currencies (USD, AED, PHP, INR, EUR, BRL, SGD) through local payment methods as alternative to SWIFT.

• AI-Powered Underwriting: AI-driven credit scoring and dynamic underwriting oracles assess risk and determine customized loan terms for each borrower.

• SDK for Developers: Developers can easily integrate Credible’s PayFi infrastructure into their fintech or Web3 applications, offering credit solutions while earning commissions.

Credible aims to revolutionize global access to credit by combining the security, transparency, and decentralization of DeFi with the regulatory compliance and flexibility of licensed fintech. The platform is creating a more inclusive and accessible global credit ecosystem, enabling users to access credit in a simple, secure, and seamless way.