Yield

Instant settlement liquidity, deployed with disciplined underwriting and robust risk controls.

Credible generates yield by advancing stablecoin liquidity for real-time cross-border settlement, only after fiat payment flows are confirmed on either the collection or funding side.

Liquidity on Credible is not deployed into speculative lending. It is used to finance short-duration settlement advances backed by verified fiat transactions.

1. Settlement Advances Trigger Only After Fiat Confirmation

Credible provides T+0 settlement once a fiat payment event is confirmed:

• Pay-In: The customer completes payment via native local rails such as UPI, Pix, GCash, or OPay, and Credible receives confirmation of the collection.

• Pay-Out: The incoming fiat funding from a US or European fintech is confirmed on the source side before liquidity is advanced for local payout execution.

This ensures liquidity is deployed only against validated payment flows, not unverified credit exposure.

2. Yield Comes From Fees Paid for Instant Settlement

Once fiat confirmation occurs, Credible advances stablecoin liquidity to deliver instant settlement. Fintechs and merchants pay a fee for:

• real-time settlement access

• liquidity advancement

• payment orchestration and routing

• treasury and FX execution

Liquidity providers earn yield from these transaction-level settlement fees.

3. Short-Duration, Self-Liquidating Payment Financing

Each liquidity advance is tied to a specific payment receivable and settles over a short window. Capital is recycled rapidly across:

• confirmed pay-in collections

• confirmed pay-out funding flows

Once the fiat leg completes, the exposure closes automatically.

4. Yield Is Backed by Real Payment Activity

Credible yield is generated from real cross-border payment throughput, not leverage or speculative borrowing.

Every advance is supported by:

• confirmed fiat collections via local payment methods

• confirmed incoming fiat funding from regulated counterparties

• structured settlement and reconciliation workflows