Pay-in

One API to orchestrate pay-ins across emerging markets with stablecoin-backed settlement financing.

Credible enables global fintechs, neobanks, and internet businesses to collect payments across emerging markets using native local payment methods, while delivering instant T+0 settlement through stablecoin-backed liquidity.

Instead of building separate integrations, prefunding local accounts, and waiting days for settlement, businesses can plug into Credible’s orchestration layer and move money across borders in real time.

Step 1: Customers Pay Using Local Methods

Credible supports the most widely used payment rails in emerging economies, including:

• UPI (India)

• Pix (Brazil)

• GCash (Philippines)

• OPay (Nigeria)

• Local bank transfers and wallet networks

This allows merchants to accept payments in local currencies through the methods consumers already use every day.

Step 2: Credible Orchestrates Collection Across Multiple Providers

Behind the scenes, Credible connects to a network of:

• local payment processors

• banking partners

• wallet aggregators

• on/off-ramp providers

Rather than depending on a single PSP, Credible dynamically routes each transaction across the best available rail based on:

• success rates

• uptime

• cost and FX efficiency

• compliance requirements

Merchants integrate once through a single API, while Credible manages all local complexity underneath.

Step 3: Payment Confirmation Happens Locally

Once the customer completes the payment via UPI, Pix, or a wallet rail, Credible receives a real-time confirmation event.

At this point, the payment is verified locally — even though fiat settlement through the banking system may still take additional time.

This is the key architectural shift:

Credible separates payment confirmation from settlement delays.

Step 4: Instant T+0 Settlement via Stablecoin-Backed Liquidity

As soon as the pay-in is confirmed, Credible advances stablecoin-backed liquidity to the merchant instantly.

Merchants receive settlement in:

• USD

• EUR

• Stablecoins

This happens in real time (T+0), without waiting for traditional bank settlement cycles.

Credible effectively provides short-term settlement financing, bridging the gap between:

• instant local payment execution

• delayed fiat settlement finality

Step 5: Fiat Funds Settle Asynchronously and Reconcile Automatically

While the merchant has already received funds instantly, Credible completes the fiat collection flow through local rails in the background.

Once the fiat funds are fully received:

• the credit exposure is closed

• balances are reconciled

• treasury and ledger records are updated

This removes the need for merchants to manage prefunding, working capital buffers, or fragmented settlement operations.

Step 6: Unified Reporting, Compliance, and Treasury Abstraction

Credible provides a full-stack pay-in infrastructure layer including:

• unified settlement ledger

• transaction monitoring and fraud controls

• KYB/KYC enforcement

• compliance-aware routing

• consolidated reporting across markets

Merchants get a predictable and scalable collection system across emerging economies, without building country-specific payment operations.