10/06/2025
Overview
A decentralized, AI-powered credit layer built on holistic PayFi infrastructure—seamlessly delivered through a user-friendly consumer app.
What is Credible Finance?
Credible Finance is the decentralized credit layer for Web3, designed to unlock real-world credit for crypto users without forcing them to sell their assets. By combining staking-backed credit cards, AI-powered onchain credit scoring, and regulated financial institutions partnerships, Credible enables a new class of crypto-native financial inclusion.
In the same way that secured credit cards help users build traditional credit in the fiat world (by using a refundable cash deposit), Credible introduces the staking-backed credit card — a fixed-limit credit card where crypto deposits remain staked, enabling users to start building a new form of credit profile: the Credible Score.
Credible cards are secured by $CRED node, stablecoins, SOL, BTC, 0G, and other whitelisted crypto assets through integrations with trusted DeFi protocols and staking partners. These assets are locked or delegated, not liquidated, ensuring users continue earning yield while accessing credit.
Over time, users with strong onchain repayment behavior and usage history can unlock no-collateral credit lines from locally licensed lending institutions that partner to use Credible Score. The ultimate goal is to create a self-sovereign, AI-powered credit identity recognized across DeFi and regulated lending ecosystems.
