Modern Payments
for Modern Businesses.
The payments rail for businesses traditional gateways won’t touch, built for risk-aware verticals, faster settlement, and permissionless prefunding.
Dengler Family
Built for the businesses other
payment gateways quietly decline.
Eight verticals. One payments stack. We understand the risk, the velocity, and the user flows that legacy processors never modelled for.
Prediction Markets
High-velocity deposits and withdrawals, multi-state user bases, and resolution-driven settlement spikes.
Stablecoin Fintechs
Fiat on/off-ramps, on-chain reconciliation, and compliance-grade flows for USDC, USDT and beyond.
Creator Platforms
Tipping, subscriptions, and marketplace payouts to creators across geographies, without the chargeback headache.
Web3 Platforms
Wallet-to-fiat, fiat-to-wallet, and programmatic treasury rails that respect on-chain truth.
Traders & Brokers
Margin top-ups, P&L withdrawals, and the deterministic settlement traders expect from a clearing partner.
AI Startups
Usage-based billing, global cards, and prepaid credit models that scale with your inference bill.
Gaming & Sports
In-game purchases and prize payouts for skill-based games and guild tournaments. We don't serve betting, wagering, or gambling apps.
Entertainment Apps
Microtransactions, streaming top-ups, and high-volume consumer payments designed for scale.
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.
- 01
Customer pays
Cards, UPI, Pix, SEPA, ACH, PromptPay, stablecoins, any method, any market.
- 02
Orchestration routes
Credible's AI picks the best PSP/acquirer per transaction, highest approval, lowest cost.
- 03
AI underwrites the risk
Per-transaction risk and receivables underwriting deploys liquidity from the pool.
- 04
Pool fronts · Merchant offramps
Our DeFi pool fronts the float. Merchants get paid now in USDC, USDT, USD, EUR or GBP.
- 05
Acquirers settle in T+3
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.
- 01
Self-onboard
Create an account, connect your business, and preview the full product before you commit.
- 02
Complete KYB
Modern, async Know-Your-Business verification. Upload documents, get reviewed, and move on with your day.
- 03
Consume the APIs
Authenticate, hit our payments, payouts, and ledger endpoints, and put live transactions in front of users.
- 04
Spin up a prefunding pool
Open a permissionless pool to fund settlements on your terms. Programmatic, transparent, and yours to control.
40+ markets.
One integration.
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.
For larger volumes, bespoke risk models, or regulated edge cases, our team will architect a payments setup tailored to your business.
Frequently asked questions.
The short version of how the Credible payments stack works.
What is Credible?
Credible is an open payments stack for modern internet businesses, offering pay-in, pay-out, global collection accounts, and on-chain liquidity. We orchestrate across the best PSPs and acquirers and use a stablecoin liquidity pool to front the float, so merchants settle instantly in USDC, USDT, USD, EUR, or GBP.
Who is Credible built for?
The risk-aware verticals that legacy gateways quietly decline: prediction markets, stablecoin fintechs, creator platforms, web3, traders and brokers, AI startups, gaming and sports, and entertainment apps. We model the velocity, risk, and user flows traditional processors never built for.
How does T+0 settlement work?
Acquirers and local rails settle on their normal T+3 cycle in the background. Our DeFi liquidity pool advances the funds the moment a transaction is underwritten by RiskAI, so the merchant is paid now. Clearing is separated from settlement, with no pre-funding required from you.
Is Credible licensed and compliant?
Credible is an MSB in the USA that operates through its locally licensed partners across the world, ensuring local compliances are met while delivering instant transactions.
How do I get started?
No sales call required. Self-onboard, complete async KYB, then authenticate and start hitting our pay-in, pay-out, and ledger APIs. For larger volumes or bespoke risk models, our team offers white-glove setup.