---
description: >-
  Credible empowers regulated institutions to raise, underwrite, and deploy
  credit using onchain data—bringing Web3-native lending to real-world markets
  at scale.
---

# Regulated Financial Institutions

Credible Finance serves as a turnkey infrastructure for **regulated financial institutions**—including NBFCs, VASPs, and licensed fintechs—to access Web3-native credit systems without having to build them from scratch. These institutions can tap into Credible's infrastructure to raise, underwrite, deploy, and manage debt capital across multiple markets.

Through integration with **Credible’s SDK or consumer-facing app**, these partners can:

* **Raise debt capital** from on-chain and off-chain institutional pools.
* **Underwrite credit** using the Credible Score, which reflects onchain wallet behavior, repayment history, and staking activity.
* **Disburse loans and credit lines** directly within their jurisdictions using Credible’s smart contract-powered PayFi rails.
* **Serve users via white-label apps** or embed Credible's scoring and issuance flow within their existing platforms.
* **Collect repayments and recycle capital**, with full transparency on borrower performance and capital efficiency.

This model not only scales the reach of regulated lenders into the crypto economy but also **supercharges Credible’s global adoption**. Web3 users, for the first time, can unlock local fiat credit access based on their **onchain reputation** rather than their offchain credit history.

Markets currently targeted include **India, UAE, Brazil, Philippines, and Indonesia**—regions where a mobile-first population, crypto penetration, and alternative credit demand make Credible’s model highly relevant and impactful.
