Credit Pools

Credible unifies DeFi and TradFi lending with retail PayFi pools and institutional debt rails, enabling capital deployment across Web3 and regulated markets at scale.

Credible powers its lending layer through two core mechanisms: Unified PayFi Pools for retail users and Dedicated Institutional Pools for regulated financial institutions.

Unified PayFi Pools (Retail Liquidity Layer)

These decentralized lending pools allow individual liquidity providers (LPs), DeFi protocols, and community treasuries to supply capital that supports credit disbursement to Credible Card users. This forms the backbone of retail lending across Genesis, Rewards, and Ascend cardholders.

Key Features:

• Permissionless contribution from whitelisted assets (e.g., stablecoins, $CRED, LSTs)

• Smart contract-controlled disbursement and repayment

• Yield generation for LPs from interest, usage fees, and staking rewards

• Fully composable and transparent pool data

Dedicated Institutional Pools (Enterprise Lending Layer)

Credible also enables licensed financial institutions—such as NBFCs, fintech lenders, and VASPs—to raise, deploy, and manage credit capital in their local markets using Credible’s infrastructure.

Capabilities for Institutions:

• Launch jurisdiction-specific debt pools using Credible’s infrastructure

• Raise capital from DeFi LPs, private debt funds, or their own balance sheets

• Underwrite borrowers using the Credible Score

• Disburse credit via the Credible SDK or integrated white-label apps

• Monitor performance and automate repayments and recycling of funds

This bifurcated model allows Credible to serve both permissionless Web3-native users and regulated financial entities—unlocking liquidity, trust, and reach at scale.