Credible Consumer App

Credible is the open payments stack for modern internet businesses, pay-in, pay-out, global collection accounts, on-chain liquidity, and Creddy (universal stablecoin payment method). $700M+ processed across prediction markets, stablecoin fintechs, creator platforms, web3, traders, AI, gaming, and entertainment.

The payments rail for businesses traditional gateways won’t touch, built for risk-aware verticals, faster settlement, and permissionless prefunding. Built for the businesses otherpayment gateways quietly decline. Eight verticals. One payments stack. We understand the risk, the velocity, and the user flows that legacy processors never modelled for. Every corridor with FX and local payout rails, from a single API, so you launch new markets in weeks. Named multi-currency accounts, card issuing, and instant settlement, without a banking charter in every market. Fiat on/off-ramps, on-chain reconciliation, and compliance-grade flows for USDC, USDT and beyond. Orchestrate acquirers and local methods behind one API, with split settlement and real-time reconciliation. Tipping, subscriptions, and marketplace payouts to creators across geographies, without the chargeback headache. Embedded fiat on/off-ramps for USDC and USDT, multi-chain, with keys that never leave the user. Extend your corridors with bank, wallet and cash-pickup payouts, FX, and sanctions screening in the flow. In-game purchases and prize payouts for skill-based games, esports and guild tournaments. No unlicensed gaming, gambling or betting. Customers pay.Merchants get paid, now. Credible’s orchestration layer routes across the best PSPs and acquirers. While those rails settle in T+3, our DeFi liquidity pool fronts the float, so the merchant lands their money instantly in USDC, USDT, USD, EUR or GBP. 01Customer paysCards, UPI, Pix, SEPA, ACH, PromptPay, stablecoins, any method, any market. Cards, UPI, Pix, SEPA, ACH, PromptPay, stablecoins, any method, any market. 02Orchestration routesCredible's AI picks the best PSP/acquirer per transaction, highest approval, lowest cost. Credible's AI picks the best PSP/acquirer per transaction, highest approval, lowest cost. 03AI underwrites the riskPer-transaction risk and receivables underwriting deploys liquidity from the pool. Per-transaction risk and receivables underwriting deploys liquidity from the pool. 04Pool fronts · Merchant offrampsOur DeFi pool fronts the float. Merchants get paid now in USDC, USDT, USD, EUR or GBP. Our DeFi pool fronts the float. Merchants get paid now in USDC, USDT, USD, EUR or GBP. 05Acquirers settle in T+3Visa, Mastercard, local rails, traditional settlement runs in the background, asynchronously. Visa, Mastercard, local rails, traditional settlement runs in the background, asynchronously. The Open Payments Stack.Live in four steps. No sales call. No NDAs to read the docs. Onboard, get verified, ship. 01Self-onboardCreate an account, connect your business, and preview the full product before you commit. Create an account, connect your business, and preview the full product before you commit. 02Complete KYBModern, async Know-Your-Business verification. Upload documents, get reviewed, and move on with your day. Modern, async Know-Your-Business verification. Upload documents, get reviewed, and move on with your day. 03Consume the APIsAuthenticate, hit our payments, payouts, and ledger endpoints, and put live transactions in front of users. Authenticate, hit our payments, payouts, and ledger endpoints, and put live transactions in front of users. 04Spin up a prefunding poolOpen a permissionless pool to fund settlements on your terms. Programmatic, transparent, and yours to control. Open a permissionless pool to fund settlements on your terms. Programmatic, transparent, and yours to control. Pay-in and pay-out across every region — local rails (UPI, Pix, SEPA, ACH, AANI, NIBSS) plus 30+ currencies and stablecoin settlement. Hover any marker to see the country and its supported currency. Need a white-glove service?Talk to us.