> 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/how-credible-works/yield.md).

# Yield

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.

<figure><img src="/files/8TzxUNkwLSrOrhlVAihW" alt=""><figcaption></figcaption></figure>

### 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


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