Overview

Credible is a non-custodial, licensed payment financing protocol merging DeFi liquidity with fintech to offer fiat credit lines for third-party payments, and AI-driven underwriting.

Credible is a non-custodial, licensed fullstack payment financing platform seamlessly integrating DeFi liquidity with licensed fintech to deliver flexible credit solutions in fiat formats, including third-party fiat payments.

AI-Powered Credit Infrastructure

At the heart of Credible is its AI-driven credit infrastructure, creating a decentralized Oracle network for wallet-based credit scoring and histories—akin to FICO or Experian for Web3. This innovation enables Credible to assess borrower creditworthiness accurately, paving the way for a transition from overcollateralized loans to undercollateralized and eventually no-collateral credit.

Fullstack PayFi

Non-Custodial Model Borrowers and lenders maintain full control of funds, with transparent on-chain processes ensuring security and decentralization.

Flexible Credit Options

• Fiat and Crypto Credit Lines: Borrowers can access credit in stablecoins or fiat currencies.

• Third-Party Payments: Credit lines can directly facilitate fiat payments to third parties, enabling streamlined financial transactions for payroll, invoices, or other needs.

DeFi-Powered Liquidity By leveraging decentralized finance, Credible ensures abundant liquidity, allowing lenders to provide secure asset-backed loans while earning competitive yields.

AI-Driven Oracle Network OracleAI processes wallet data to generate decentralized credit scores, enabling dynamic, real-time underwriting and precise risk assessment.

Collateral Options Borrowers can secure loans with cryptocurrency or tokenized RWAs, managed transparently on-chain to ensure security for all stakeholders.

Future-Focused Credit Evolution

• Present: Overcollateralized loans backed by crypto and tokenized RWAs.

• Near Future: Under-collateralized lending supported by OracleAI’s trusted credit scores.

• Long-Term Vision: No-collateral loans, driving financial inclusion through decentralized trust mechanisms.

Global Reach and Offerings

Operating in diverse markets such as the UAE, Singapore, Philippines, India, and Brazil, Credible provides tailored loan products, including:

• Invoice Financing

• Payroll Financing

• Short-Term Working Capital Loans

• Buy Now Pay Later (BNPL) Solutions

Vision

Credible bridges the gap between traditional finance and DeFi, enabling a simple, non-custodial credit line capable of handling crypto, fiat, and third-party payments. By combining blockchain innovation with licensed fintech compliance, Credible is redefining credit access for a decentralized, inclusive future.