Credit Cards

Credible Cards bring staking-backed credit to Web3—offering real spending power, rewards, and onchain credit building across Genesis, Rewards, and Ascend tiers.

Credit cards are the most powerful and familiar gateway to credit for everyday consumers. In traditional finance, secured credit cards backed by refundable deposits help users build their credit profile over time. Credible applies the same foundational principle—using staked digital assets instead of cash deposits—to enable Web3 users to establish and grow their onchain credit identity through the use of decentralized, programmable credit cards.

As a PayFi product, the Credible card suite not only offers spending power but also unlocks long-term access to no-collateral credit, driven by the user's behavior, repayment history, and evolving Credible Score.

Credible’s credit cards are segmented into three progressive tiers, each designed for different user types and backed by different forms of collateral:

Genesis Card (Limited Edition)

The Genesis Card is the foundational credit product within the Credible ecosystem.

Key Features:

• Fixed credit limits: $50 (Lite), $500 (Super), $5,000 (Ultra)

• Fully secured by staked and vested $CRED tokens plus a Credible Node License

• No liquidation risk; funds remain staked and yield-bearing

• Bitcoin cashback: up to 5%

• Loyalty bonuses, lifetime cardholder perks, and governance participation

Target Users: Early believers, onchain professionals, and contributors seeking to bootstrap their credit identity and participate in protocol governance.

Rewards Card

The Rewards Card is Credible’s mass-market consumer card, designed for broad user adoption across retail and utility payments.

Key Features:

• Backed by stablecoins or partially staked $CRED

• Available to all KYCed users

• Cashback in BTC and $CRED for eligible transactions

• Supports merchant payments, subscriptions, and daily retail spend

• Onchain activity contributes to Credible Score development

Target Users: Everyday crypto users, stablecoin holders, and early-stage borrowers transitioning to full-fledged credit access.

Ascend Card

The Ascend Card is a premium credit product targeting high-volume users, merchants, and digital professionals.

Key Features:

• Backed by partner tokens such as SOL, BTC, 0G, and other whitelisted staking assets

• Flexible credit limits based on staked value and Credible Score

• Dynamic cashback rates and merchant rewards

• Built-in fiat/crypto conversion and invoice payment capabilities

Target Users: Freelancers, DAOs, Web3 creators, and high-volume transactors seeking capital efficiency and reward-rich spending.

Each card within the Credible ecosystem is purpose-built to help users build, grow, and leverage their onchain credit profile, ultimately unlocking access to undercollateralized and unsecured lending through Credible’s regulated partners.