The Global Settlement Problem for U.S. Digital Businesses
Credible enables U.S. digital businesses to receive real-time settlement from customers in emerging markets by orchestrating stablecoin-powered payment financing and fiat rails— instant settlements.
The Problem: Global Settlement Delays for US Businesses
A U.S.-based digital business can acquire customers globally in minutes—but accessing the revenue they generate can take days or even weeks.
When a customer in India or the Philippines pays a U.S. merchant, the payment must travel through multiple layers of local gateways, correspondent banks, card networks, and FX intermediaries. While the payment authorization may appear instant, actual settlement to the merchant’s account is not.
Today, most U.S. digital businesses rely on platforms like Stripe or PayPal for international collections. In these systems:
Payments from India or the Philippines typically settle in T+2 to T+5 days
Funds are pooled, delayed, and netted across jurisdictions
FX conversion happens at opaque spreads
Merchants carry the working-capital burden of delayed settlement
For high-growth businesses, this delay is not just an inconvenience—it directly impacts cash flow, forecasting, and the ability to reinvest in growth.
In emerging markets, the problem is structural, not operational.
Why Emerging Market Payments Are Slower
Countries like India and the Philippines operate on asynchronous fiat clearing systems. Local payment methods, banking rails, and regulatory processes are fragmented and batch-based. Cross-border settlement relies heavily on correspondent banking, which was never designed for real-time commerce.
As a result:
Settlement speed is governed by the slowest rail in the chain
U.S. merchants are forced to wait, regardless of customer demand
Pre-funding and trapped capital become necessary to scale
No amount of frontend UX improvement fixes this.
Credible's Solution: Real-Time Settlement for US Businesses
Credible solves this by decoupling settlement speed from fiat clearing timelines.
Instead of waiting for local fiat systems in India or the Philippines to complete settlement, Credible advances liquidity at the moment of payment using its PayFi (payment financing) layer, backed by stablecoins.
How It Works
A customer in India or the Philippines pays using local payment methods.
Credible, operating its own payment gateway and aggregator, orchestrates the transaction across local rails.
Credible immediately advances stablecoin liquidity to the U.S. merchant, delivering T+0 (real-time) settlement.
The underlying fiat ↔ stablecoin conversion continues to settle asynchronously in the background.
From the merchant’s perspective, settlement is instant—even though fiat clearing may take days.
What Changes for U.S. Digital Businesses
With Credible:
A payment from India or the Philippines settles in real time, not T+5
No pre-funding or trapped capital is required
Cash flow becomes predictable and continuous
Growth is no longer constrained by settlement delays
Credible transforms international pay-ins from delayed receivables into immediate working capital.
The Same Model Powers Real-Time Pay-Outs
The same challenge exists in reverse.
U.S. neobanks and fintechs sending remittances to India or the Philippines face:
Slow bank settlement
High FX costs
Inconsistent payout timelines
Credible enables T+0 payouts by advancing local fiat upfront, while stablecoin-to-fiat settlement clears asynchronously in the background.
Recipients receive funds instantly—regardless of local banking delays.
Global payments don’t need faster banks. They need better coordination of capital timing.
By combining stablecoin-based PayFi financing with a native payment gateway and aggregator, Credible delivers real-time settlement for cross-border payments—solving a problem legacy payment platforms were never designed to address.
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