PayFi

Credible’s PayFi combines DeFi and licensed fintech to offer flexible, crypto-backed credit for businesses and retail, settled in fiat, with transparent, non-custodial solutions.

Credible’s PayFi product combines DeFi and licensed fintech to provide businesses and retail users with flexible, crypto-backed credit, settled in fiat. Using a CeDeFi architecture, Credible merges the security and transparency of blockchain with the regulatory compliance and ease of fintech services.

Business Financing Solutions

Credible offers a variety of credit solutions for businesses, all secured by crypto and tokenized Real-World Assets (RWAs):

• Invoice Financing: Businesses use unpaid invoices as collateral for quick liquidity.

• Payroll Financing: Borrow against future payroll to maintain cash flow.

• Short-Term Working Capital Loans: Access fast loans for operational needs.

These loans are issued in stablecoins, with settlement in fiat currencies (USD, AED, EUR, etc.) through global payment methods like SWIFT and MoneyGram, enabling businesses in emerging markets like the UAE, Singapore, India, and Brazil to access capital efficiently while mitigating volatility.

Retail Buy Now, Pay Later (BNPL)

For retail users, Credible offers Buy Now Pay Later (BNPL) services, providing flexible credit options backed by crypto and tokenized assets. Payments are made in fiat, simplifying the process for consumers while maintaining the benefits of DeFi, such as low fees and fast approval.

Non-Custodial, Transparent, and Regulated

Credible is unique in offering a non-custodial PayFi solution, where users retain full control of their crypto assets. Collateral and loan management are fully transparent and on-chain. At the same time, Credible is fully licensed and regulated, ensuring legal compliance and offering a secure credit solution.

Key Benefits

• Seamless DeFi and Fintech Integration: Combines the decentralization and security of blockchain with the reliability and compliance of fintech.

• Non-Custodial and Transparent: Users maintain control over assets, with all transactions visible on the blockchain.

• Fiat Settlements: Loans and transactions are settled in fiat, making them accessible to global users.

• End-to-End Solution: A complete, integrated platform for credit management and settlement, eliminating fragmented systems.

• Regulated: Fully compliant with legal frameworks in key jurisdictions.

Credible’s PayFi product is revolutionizing credit access by offering a secure, transparent, and integrated solution, blending DeFi and fintech to meet the needs of both businesses and retail users globally.