What Credible Finance does

Credible Finance (operating entity Kiwimoney Inc., a Delaware corporation and FinCEN-registered Money Services Business, registration 31000324258161) builds programmable, stablecoin-native payments infrastructure for internet businesses that legacy gateways decline or underserve. Its "Open Payments Stack" composes five product layers: Pay-in (multi-rail acceptance across cards and 86+ local rails including UPI, Pix, SEPA, ACH, AANI, and NIBSS), Pay-out (instant global disbursements backed by stablecoin liquidity), Global Collection Account (USD and EUR virtual accounts with ACH, SEPA, and Fedwire connectivity), Liquidity (permissionless stablecoin pre-funding pools on Solana and Polygon paying a variable 16% APY), and the forthcoming Creddy universal consumer payment method. The company serves eight verticals: prediction markets, stablecoin fintechs, creator platforms, Web3 platforms, traders and brokers, AI startups, gaming and sports, and entertainment apps.

The platform's distinguishing architecture is a DeFi liquidity pool that fronts the T+3 traditional settlement float, allowing merchants to receive T+0 payouts in USDC, USDT, or fiat while underlying rails settle asynchronously. AI is deployed in three layers: smart routing across PSPs and acquirers for approval-rate and cost optimization, per-transaction risk and receivables underwriting that determines liquidity deployment, and treasury/reconciliation automation including FX prediction. The stack runs on Solana (primary), Polygon, and Ethereum, supporting USDC and USDT settlement across 40+ markets and 37+ currencies. Distribution is API-first and self-serve (no sales calls required), with a white-glove tier available through direct outreach for larger volumes and regulated edge cases.

The company monetizes via transaction processing fees (per-transaction processing, FX spread, banking pass-through, blockchain gas, and stablecoin conversion), pass-through chargeback and dispute fees, liquidity pool economics, and premium white-glove support services. Pricing is quote-based for enterprise customers with volume-tiered transaction fees. Cumulative processed volume reached $641M+ by June 2026, up from $0 in Q1 2024, with 100,000+ unique users served across Credible-powered platforms and five fintech partners live in production as of 2025. Disclosed funding remains small (~$250K: a $100K Outlier Ventures seed and a $150K Stellar grant), with additional undisclosed Circle and ecosystem grants and a pre-Series A posture.

Name

Credible Finance

Legal name

Kiwimoney Inc

Website

https://credible.finance

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Credible Finance (Kiwimoney Inc.) builds a stablecoin-native, API-first payments orchestration platform using a DeFi liquidity pool to deliver T+0 merchant settlement, serving eight verticals including prediction markets, stablecoin fintechs, and Web3 platforms across 40+ markets.

Ownership category

akta.pro rank

Product category

Cross-border Payment Infrastructure / Stablecoin Payment Orchestration

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)

akta.pro secondary industries

Liquidity Provision & Market Making Protocols (AMMs, concentrated liquidity, LP tooling) (FSAPAEAF), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

• Stablecoin payment orchestration
• Cross-border payouts
• AI payment routing
• DeFi liquidity pools
• Global payment gateway

Headquarters

HQ city

Solana Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Payment Processing Fees: Transaction fees charged per payment processed through the orchestration layer, with volume-tiered pricing structures. Fees include per-transaction processing fees, FX spreads, banking fees (wire, ACH return, SEPA), network fees (blockchain gas), and stablecoin conversion fees (mint, burn, redemption).
2. Liquidity Pool Yield: Earning 16% APY on stablecoin pre-funding pools on Solana and Polygon. The yield is generated from real-world payment flows and is variable, projected, and not guaranteed.
3. FX and Spread Revenue: Revenue from foreign-exchange spreads between quoted rates and sourcing rates, widening during volatile market conditions, plus embedded banking and rail costs.
4. Chargeback and Dispute Fees: Pass-through fees imposed by card networks and acquirers for chargebacks and disputes, plus compliance pass-through fees for high-risk KYC/KYB/sanctions screening.
5. Premium Support Services: White-glove enterprise service for larger volumes, bespoke risk models, or regulated edge cases with dedicated team architecture and custom SLA terms.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels11 records

Core offering

Credible Finance builds and operates an Open Payments Stack — an AI-powered, API-first payment orchestration platform that lets internet-native businesses accept payments and pay out globally across cards, local rails (UPI, Pix, SEPA, ACH, AANI, NIBSS, Faster Payments, Fedwire) and stablecoins (USDC, USDT) in 40+ markets. A permissionless DeFi liquidity pool on Solana and Polygon fronts the T+3 fiat settlement float so merchants receive T+0 payouts in USDC, USDT, USD, EUR or GBP, with AI underwriting, smart PSP/acquirer routing, and multi-currency treasury built in.

Product overview

Credible Finance operates an open, programmable payments infrastructure platform — the 'Open Payments Stack' — designed for internet-native businesses that require stablecoin-backed instant settlement across global markets. The platform is architected as a composable set of five core products: Pay-in (AI-orchestrated multi-rail payment acceptance), Pay-out (instant global disbursements via stablecoin-backed DeFi liquidity), Global Collection Account (USD/EUR named virtual bank accounts with ACH/SEPA/Fedwire), Liquidity (permissionless stablecoin pre-funding pools on Solana and Polygon earning 16% APY), and the forthcoming Creddy universal stablecoin consumer payment method. The stack routes across traditional PSPs, acquirers, and local rails (UPI, Pix, SEPA, ACH, AANI, NIBSS, and 80+ more) while the DeFi liquidity pool fronts the T+3 settlement float to deliver T+0 instant merchant payouts in USDC, USDT, USD, EUR, or GBP. The Liquidity product also enables capital providers to earn yield by supplying float to the settlement pool. Self-serve onboarding, REST APIs, webhooks, and SDKs allow developers and merchants to integrate without a sales call. Credible is operated by Kiwimoney Inc, a FinCEN-registered MSB.

Differentiator

Problem solved

Functional benefit

Brands

• Creddy: Universal stablecoin payment method for consumers and merchants. 0% fees for consumers and merchants. Coming soon.
• PayFi
• PayFi Vaults
• Open Payments Stack

Products and services

• Pay-in AI-powered payment-orchestration product enabling merchants to accept payments via cards, local payment rails (UPI, Pix, SEPA, ACH, AANI, NIBSS, Faster Payments, Fedwire) and stablecoins (USDC, USDT) across 40+ markets and 86+ payment methods. AI smart routing selects the optimal PSP/acquirer per transaction for highest approval rate and lowest cost.
• Pay-out Instant global payouts powered by stablecoin-backed DeFi liquidity pools, enabling merchants and businesses to push funds to bank accounts, cards (Visa Direct), e-wallets, and on-chain addresses across 40+ markets with T+0 settlement targets in USDC, USDT, USD, EUR or GBP.
• Global Collection Account Virtual USD and EUR named bank accounts with ACH, SEPA, and Fedwire connectivity that let businesses receive cross-border payments in domestic currency. Balances can be held in fiat or converted to stablecoins for instant settlement via Credible's DeFi liquidity pool.
• Liquidity Permissionless stablecoin pre-funding pools deployed on Solana and Polygon that earn 16% APY (variable, not guaranteed). Capital providers supply stablecoin float to bridge the T+3 settlement gap for global merchants, enabling T+0 instant payouts while underlying fiat rails clear asynchronously.
• Creddy Universal consumer-facing stablecoin payment method positioning as a cross-currency Zelle/Venmo/CashApp equivalent at 0% fees for both consumers and merchants. Designed for C2B and C2C payments built on stablecoin rails; subsidiary entity of Kiwimoney Inc.
• Open Payments Stack (Merchant API) Unified REST API and orchestration layer that composes Pay-in, Pay-out, Global Collection Account, Liquidity, AI risk underwriting, and DeFi pool liquidity into a single integration. Enables access to 40+ markets, 86+ payment methods, and T+0 settlement through one API with self-serve onboarding (no sales call) and programmatic control over pre-funding pools.

Quantifiable outcome

• From $0 (Q1 2024) to $641M+ processed volume (June 2026)
• +5 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• CirclecoreTechnology or Integration · 1 January 2025Circle is a key technology partner providing programmable wallets that enable Credible's T+0 remittance settlement. Credible processed $250M+ in remittance volume using Circle's infrastructure on Solana and Polygon in 2025. Circle grant recipient supporting stablecoin infrastructure development.
• PolygoncoreTechnology or Integration · 1 January 2025Polygon powers settlement in seconds for Credible's payment infrastructure. Over $150M+ processed on Polygon in Q1 2026 alone. Credible's liquidity pools and PayFi Vaults are deployed on Polygon alongside Solana.
• SolanacoreTechnology or Integration · 1 January 2024Solana is the primary blockchain for Credible's stablecoin settlement infrastructure. PayFi Vaults operate on Solana. Selected for Solana Colosseum Accelerator (2nd place in Stablecoin Track). Part of Superteam ecosystem.
• SuperteamcoreStrategic or Co-development PartnerSuperteam is a key ecosystem partner in the Solana ecosystem. Credible is part of the Superteam community for talent, growth, and ecosystem development. Listed as a backer and ecosystem partner.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• BitPay: Established crypto payment processor enabling merchants to accept Bitcoin, stablecoins, and other digital assets with fiat settlement. Comparable to Credible in offering merchant-facing crypto payment acceptance.
• Bridge: Stablecoin orchestration platform acquired by Stripe in 2024; provides APIs for stablecoin issuance, payments, and treasury. Direct competitor to Credible's Pay-in and Pay-out orchestration across stablecoin rails.
• BVNK: Stablecoin and fiat payment orchestration platform serving merchants and platforms with global pay-in/pay-out. Directly comparable to Credible's full-stack payment gateway and T+0 stablecoin settlement value proposition.
• Transak: Crypto on/off-ramp infrastructure provider integrated into 350+ wallets and applications. Comparable to Credible as developer-first stablecoin on/off-ramp infrastructure serving Web3 platforms and fintechs.
• Coinbase Commerce: Crypto-native merchant payment processor from Coinbase, enabling merchants to accept stablecoin and crypto payments globally. Comparable as a crypto-first payment gateway serving similar risk-aware merchant verticals.
• Alchemy Pay: Crypto and fiat payment gateway operating across 300+ payment methods in 173 countries. Comparable to Credible as a multi-rail, crypto-enabled payment gateway targeting global merchant acceptance.

Broad incumbents

• Ripple: Cross-border payments and crypto liquidity provider with Ripple Payments (formerly RippleNet) and RLUSD stablecoin. Comparable as a cross-border, crypto-native payment infrastructure player with institutional reach.
• Stripe: Dominant global payment processor now extending into stablecoin via Bridge acquisition and USDC settlement rails. Comparable as a broad incumbent with overlapping pay-in/pay-out and multi-currency capabilities.
• Circle: Issuer of USDC and operator of programmable wallets and cross-border payment infrastructure. Comparable as a stablecoin infrastructure incumbent — and a key partner to Credible — with broader product portfolio including minting, redemption, and treasury.

Emerging players

• MoonPay: Crypto on-ramp and payment infrastructure provider expanding into B2B payments and stablecoin orchestration. Comparable to Credible as a developer-first stablecoin payments platform with growing merchant-side capabilities.

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/crediblefin

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credible Finance