Businesses onboard through a dashboard, complete KYB, and consume pay-in, pay-out, and ledger APIs, and can spin up permissionless prefunding pools. Short-term financing of one to seven days is secured against pay-in or pay-out receivables, with stablecoin liquidity pools advancing funds while the underlying fiat clears asynchronously.

Credible Finance is a payments infrastructure protocol that orchestrates transactions across multiple payment service providers and uses on-chain stablecoin liquidity pools to advance funds so merchants settle instantly instead of waiting for traditional T+3 clearing. It runs a Solana lending program whose pools front working capital against pay-in and pay-out receivables, with AI-driven routing and real-time risk underwriting.

Internet businesses and merchants, including prediction markets, stablecoin fintechs, creator platforms, Web3 platforms, traders and brokers, AI startups, gaming, and entertainment apps.