PayFi Infrastructure

Credible's PayFi infrastructure connects DeFi capital to real-world credit with AI-powered scoring, staking-backed credit cards and onboards regulated financial institutions.

Credible Finance is not just introducing a new product—it is redefining the infrastructure for global credit access. Through its unified PayFi system, Credible connects decentralized capital sources with real-world consumer demand, underwritten by an AI-powered, transparent, and verifiable credit score.

From the foundational Genesis Card secured by staked $CRED, to the flexible Rewards Card and high-performance Ascend Card, users can begin their credit journey with staking-backed access and grow into unsecured credit via onchain reputation.

Credible’s ecosystem enables anyone—whether a Web3 user or a regulated lender—to participate in this programmable credit network. Institutions can launch dedicated debt pools, underwrite based on onchain behavior, and deliver credit through Credible’s SDK or consumer app. At the same time, users build their Credible Score and unlock global access to fiat credit without traditional gatekeepers.

By bridging DeFi capital, onchain identity, and licensed financial systems, Credible is creating a truly borderless, inclusive financial framework—one that empowers individuals and institutions alike to tap into the next evolution of programmable trust.