$CRED Token

$CRED is the governance and utility token for Credible's ecosystem, enabling staking, node rewards, governance participation, and additional yield for lenders.

The $CRED token is the native utility, rewards, and governance asset of the Credible Finance ecosystem. It powers the economic flywheel behind staking-backed credit, rewards distribution, credit score incentives, and protocol governance—aligning the interests of users, node operators, and financial partners.

🔢 Token Metrics

Metric	Value
Ticker	CRED
Total Supply	100,000,000,000 (100 Billion)
Initial Circulating Supply	2.5%
Distribution Model	Dynamic airdrop + utility unlocks based on activity

🎯 Utility & Use Cases

• 🗳 Governance: Vote on DAO proposals, score policies, asset integrations

• 🛠 Staking: Secure Credible AI Oracle node network and qualify for Genesis/Ascend cards

• 🎁 Rewards: Earned as cashback across card usage, lending, and money transfers

• 🔓 Access: Unlock premium cards, airdrops, and perks based on $CRED holdings or usage

• 🧱 Ecosystem Incentives: Reward contributors, developers, and node operators

🎯 Distribution Breakdown (Indicative)

• Ecosystem & Rewards

• Investors (Seed + Private + Public)

• Treasury

• Liquidity & CEX Listing

• Team & Advisors

• Partnership & Growth

• Reserves/Future Use

(Exact percentages to be disclosed closer to TGE)

🪂 Airdrop Strategy

• Over 200,000+ airdrop point farmers already engaged

• Airdrop unlocks are tied to card activity and transaction volume

• $CRED airdrop recipients benefit from enhanced rewards, priority card access, and exclusive staking perks

🌍 Why $CRED Matters

$CRED is not just a utility token—it’s the fuel of Credible’s credit economy. It bridges the protocol’s PayFi rails, onchain reputation layer, and DeFi capital infrastructure, making it a critical asset for:

• Users building credit

• Institutions issuing credit

• Ecosystems co-launching branded cards

• Developers building on Credible’s SDK

As adoption grows, $CRED becomes the trust and incentive layer behind a decentralized financial future.

🔧 $CRED Implementation

1. Staking for Credit Access

• $CRED is used to back Genesis and Ascend cards through vested staking or post-TGE liquid staking

• Determines credit limit tiers, eligibility for perks, and contribution to node license activation

• Users can stake $CRED to boost their credit score and reduce interest costs

2. Governance

• $CRED holders participate in protocol governance, including:

  • Updating staking requirements

  • Adjusting LTV ratios and score weightings

  • Approving new assets and credit products

• Node license holders get enhanced voting rights and protocol revenue share access

3. Rewards & Incentives

• $CRED is distributed as cashback and loyalty rewards across all Credible Cards

• Used to incentivize referrals, early adoption, and community campaigns

• Powers airdrop eligibility, especially for Genesis and Moon NFT holders

4. Credible Score Integration

• Holding and using $CRED improves the Credible Score

• Acts as a weighted factor in determining no-collateral credit eligibility and limit upgrades

• Encourages long-term alignment and credit behavior consistency

5. Fee Utility & Discounts

• Users can pay card issuance or upgrade fees in $CRED at a discounted rate

• Credit usage and transaction fees may be reduced based on $CRED holding/staking levels

• Future features include using $CRED to offset interest or repayment penalties