Payment Orchestration

T+0 settlement for global payments.

What is Credible Finance?

Credible is a payment orchestration platform that combines stablecoin-based liquidity financing with fiat settlement rails to deliver T+0 cross-border collections and payouts, enabling neobanks, fintechs, and internet companies to move money globally.

Core functions

Pay-In Credible enables real-time (T+0) pay-ins by collecting fiat through supported payment methods via integrated gateways and aggregators, while advancing stablecoins through its PayFi credit layer. Merchants receive immediate settlement, even as the underlying fiat-to-stablecoin leg settles asynchronously on local fiat rails.

Pay-Out Credible enables T+0 payouts by advancing local fiat to neobanks and fintechs for remittances and merchant disbursements, while stablecoin-to-fiat conversions continue to clear asynchronously in the background. This ensures recipients receive funds instantly, independent of traditional fiat settlement timelines.

Yield Credible provides short-term payment financing for 1–7 days, secured against pay-in or pay-out receivables. This financing layer effectively bankrolls working capital, enabling real-time settlement while generating yield on financed payment flows.

Unifying Principle

By decoupling settlement speed from asynchronous fiat clearing through stablecoin-backed financing, Credible delivers real-time (T+0) pay-ins and pay-outs across global markets—forming the core of its PayFi value proposition.