 | Credible (CRED) |
MetaDAOCredible is a payment orchestrator that combines fiat infrastructure and stablecoin liquidity to deliver same-day settlement, seamless access to local payment methods, and competitive FX rates for global payments—built on the core pillars of speed, accessibility, and pricing.
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What is Credible
Credible is a global payments business growing 29% MoM and generating $3.5M per year in run rate revenue.
Stripe made sending and receiving money easy for the default internet business. Credible is doing it for everyone outside the default, with a focus on global and high-risk businesses.
Credible gives businesses global pay-ins, pay-outs, named accounts, and liquidity. Merchants accept cards, UPI, Pix, SEPA, ACH, and 80+ local methods across 40+ markets, settle in USDC, USDT, USD, EUR, or GBP, and pay out on T+0 rails, often instantly, without setting up a local entity in every country.
Credible Roadmap
- Building begins at the TradFi × Web3 intersection
- Focus on tokenised real-world-asset rails for lending and trade finance
- Outlier Ventures lead the first institutional cheque
- Validates moving real-world capital flows on-chain
- Cauris Finance joins as the first LP
- Anchors the trade-finance vertical
- First live deals start flowing through the platform
- Begin exploring stablecoin-powered payments infrastructure
- 1st prize at Founders Villa
- Grant secured from Circle
- Trade finance + PayFi combine to cross $50M in processed volume
- Proof the rails compose end-to-end across both verticals
- Refocus on payments, stablecoin infra for USA remittance apps
- Cross $200M cumulative volume
- Cross $400M+ cumulative processed volume
- Pivot from infra-only to full-stack payment gateway
- Pay-in, pay-out, settlement and treasury under one roof
- Target $5B in annual processed volume
- Open 20 new corridors and grow pay-in distribution
- Launch Creddy. Zelle / Venmo, but cross-currency, at 0% fees for C2B and C2C payments
- Secure US MSB registration
- Secure Canadian RPAA registration
- Scale to $30B annualised volume
- Onboard a deeper merchant base
- Add 20 new payment methods and currencies
- “Pay with Creddy” lands as a checkout option, same slot as Zelle, Klarna, CashApp, or Venmo on global checkouts
- Grow Creddy in untapped niches card networks ignore, creator tips, freelancer payouts, gig wages, expat remittance
- Microtransactions in gaming and streaming run on Creddy
- Acquire MPI (Singapore), unlocks APAC distribution
- Acquire MSO (Hong Kong), extends APAC footprint
- Push toward $200B annual volume
- Onboard more businesses on the Credible payment gateway
- Grow corridors and distribution on both fronts. Credible gateway and Creddy payment method
- Creddy saves consumers and merchants the 2–4% spread crypto cards quietly take (Coinbase Card, Crypto.com Card, BitPay)
- One Creddy balance for cross-border C2C send and tap-to-pay merchant payments
- Continue scaling volumes
- Acquire a US payments licence, move from money-services rails to fully-licensed payments infrastructure
- Run the PayPal playbook: B2B with Credible (gateway) and consumer engagement with Creddy (payment method), both on the same rails
- Scale B2B distribution with Credible across US merchants
- Scale consumer engagement with Creddy. Zelle / Venmo / CashApp-style checkout + P2P at 0% fees
- Continue scaling volumes
- Acquire payments licences across the EU and UK
- US + EU + APAC licences live concurrently
- Globally distributed Credible gateway + Creddy as the cross-currency consumer payment method
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