How Credible works

Rewiring how settlement and liquidity work for global payments

Credible is a payment orchestration layer designed to deliver real-time (T+0) global pay-ins and pay-outs by decoupling settlement speed from legacy fiat clearing timelines. This is achieved through stablecoin-based payment financing, regulated fiat rails, and short-duration receivable-backed credit.

The Credible platform revolves around three key participants:

Liquidity Providers (LPs) Provide stablecoin liquidity (e.g., USDC/USDT) into Credible’s PayFi credit layer and earn yield on short-duration (1–7 day) payment financing secured by real payment receivables.

Payment Platforms (Neobanks, Fintechs, Merchants) Platforms that require instant settlement for pay-ins or pay-outs across global markets—without pre-funding, trapped capital, or exposure to slow fiat clearing systems.

Fiat & Payment Rail Partners Payment gateways, aggregators, banks, and local settlement partners that handle fiat collection and disbursement across supported markets, operating on traditional (often asynchronous) clearing timelines.

What Makes Credible Unique

Credible separates settlement execution from fiat clearing.

By advancing stablecoins or local fiat through its PayFi credit layer, Credible enables T+0 (same-day or real-time) settlement for end users and recipients—even as the underlying fiat ↔ stablecoin and stablecoin ↔ fiat legs continue to settle asynchronously in the background, particularly in emerging markets.

This decoupling of settlement speed from fiat clearing timelines is at the core of Credible’s value proposition.

The Credible Stack Is Built on Three Pillars:

PayFi Credit Layer — Financing A short-term payment financing layer (1–7 days) secured against pay-in or pay-out receivables. This layer bankrolls working capital, bridges settlement gaps, and enables real-time execution without requiring pre-funded balances.

Payment Orchestration — Execution A unified orchestration layer that routes transactions across multiple payment gateways, aggregators, banks, and stablecoin rails—optimizing for speed, cost, availability, and compliance across markets.

Fiat Settlement Rails — Clearing Regulated local banking and payment infrastructure that clears fiat transactions asynchronously, independent of the real-time settlement experience delivered to users.

Why Credible Is Not a Traditional Credit Platform

Credible does not underwrite businesses or consumers.

It does not provide:

• Business loans or revolving credit facilities

• Long-term working capital loans

• Balance-sheet financing to merchants or platforms

Instead, Credible provides liquidity to payment flows themselves, secured by short-duration receivables generated from real pay-in and pay-out transactions.

This mirrors how protocols like Aave underwrite collateral—not the borrower—while applying the model to real-world payment infrastructure.

Settlement Timing & Yield Mechanics

Because fiat rails—especially in emerging markets—often operate on T+1 to T+5 settlement cycles, Credible introduces a controlled financing window. During this period:

• End users receive funds instantly (T+0)

• Fiat clearing completes asynchronously

• PayFi capital earns yield during the settlement window

• Risk is constrained by short duration and receivable-backed flows

This structure eliminates cash drag, unlocks trapped liquidity, and transforms payment settlement into a credit-efficient, yield-generating primitive.