> For the complete documentation index, see [llms.txt](https://credible.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://credible.gitbook.io/docs/credible-overview/payment-orchestration.md).

# Payment Orchestration

### **What is Credible Finance?**

Credible is a payment orchestrator that combines fiat infrastructure and stablecoin liquidity to deliver same-day settlement, seamless access to local payment methods, and competitive FX rates for global payments—built on the core pillars of **speed, accessibility, and pricing**.<br>

<figure><img src="/files/rWDYwqiJizRiAZEPTmxj" alt=""><figcaption></figcaption></figure>

### Core functions

***Pay-In*** \
Credible enables real-time (T+0) pay-ins by collecting fiat through supported payment methods via integrated gateways and aggregators, while advancing stablecoins through its PayFi credit layer. Merchants receive immediate settlement, even as the underlying fiat-to-stablecoin leg settles asynchronously on local fiat rails.

**Pay-Out**\
Credible enables T+0 payouts by advancing local fiat to neobanks and fintechs for remittances and merchant disbursements, while stablecoin-to-fiat conversions continue to clear asynchronously in the background. This ensures recipients receive funds instantly, independent of traditional fiat settlement timelines.

***Yield***\
Credible provides short-term payment financing for 1–7 days, secured against pay-in or pay-out receivables. This financing layer effectively bankrolls working capital, enabling real-time settlement while generating yield on financed payment flows.

> ### <mark style="color:$primary;">**Unifying Principle**</mark>&#x20;
>
> #### By decoupling settlement speed from asynchronous fiat clearing through stablecoin-backed financing, Credible delivers real-time (T+0) pay-ins and pay-outs across global markets—forming the core of its PayFi value proposition.