Credible Foundation stewards a fully open stack for stablecoin payments — from protocol-level liquidity to fiat-stablecoin APIs and the consumer apps built on top. Neutral, community-owned, and built for fintechs, financial institutions and developers.
The Credible stack runs end to end on open rails. Liquidity at the base, fiat-stablecoin orchestration in the middle, and consumer-grade applications on top. Anyone can build at any layer.
Local payment methods, native currencies, T+0 settlement — wherever your customers and counterparties live. One integration, every major market.
| Country | Currency | Pay-in methods | Pay-out methods |
|---|---|---|---|
| United StatesNorth America | USD | CardsACHFedwireWireUSDCUSDT | ACHFedwireCard push (Visa Direct)USDCUSDT |
| CanadaNorth America | CAD | CardsInterac e-TransferWireUSDC | Interac e-TransferEFTWireCard pushUSDC |
| MexicoLatin America | MXN | CardsSPEIOXXOUSDC | SPEICard pushUSDC |
| BrazilLatin America | BRL | CardsPixBoletoUSDC | PixTEDCard pushUSDC |
| ArgentinaLatin America | ARS | CardsBank transferUSDT | CBU transferUSDT |
| ColombiaLatin America | COP | CardsPSENequiUSDC | PSENequiBank transferUSDC |
| ChileLatin America | CLP | CardsWebpayKhipuUSDC | Bank transferUSDC |
| PeruLatin America | PEN | CardsYapePagoEfectivo | Bank transferYape |
| United KingdomEurope | GBP | CardsFaster PaymentsBACSOpen BankingUSDC | Faster PaymentsBACSCHAPSUSDC |
| IrelandEurope | EUR | CardsSEPASEPA InstantOpen Banking | SEPASEPA Instant |
| GermanyEurope | EUR | CardsSEPASEPA InstantGiropaySOFORTUSDC | SEPASEPA InstantUSDC |
| FranceEurope | EUR | CardsSEPASEPA InstantCartes Bancaires | SEPASEPA Instant |
| SpainEurope | EUR | CardsSEPABizum | SEPABizum |
| ItalyEurope | EUR | CardsSEPASEPA Instant | SEPASEPA Instant |
| NetherlandsEurope | EUR | CardsiDEALSEPASEPA Instant | SEPASEPA Instant |
| PolandEurope | PLN | CardsBLIKPrzelewy24SEPA | Bank transferSEPA |
| SwitzerlandEurope | CHF | CardsTWINTSEPAWire | SEPAWireTWINT |
| SwedenEurope | SEK | CardsSwishTrustlySEPA | SwishBank transfer |
| NorwayEurope | NOK | CardsVippsSEPA | VippsBank transfer |
| DenmarkEurope | DKK | CardsMobilePaySEPA | MobilePayBank transfer |
| United Arab EmiratesMENA | AED | CardsBank transferUSDCUSDT | Bank transferUSDCUSDT |
| Saudi ArabiaMENA | SAR | CardsmadaSADADSTC Pay | Bank transferSTC Pay |
| IsraelMENA | ILS | CardsBitBank transfer | Bank transferBit |
| TurkeyMENA | TRY | CardsPaparaBank transfer | Bank transferPapara |
| EgyptMENA | EGP | CardsFawryInstaPay | InstaPayBank transfer |
| NigeriaAfrica | NGN | CardsBank transferUSDT | Bank transferUSDT |
| South AfricaAfrica | ZAR | CardsInstant EFTBank transfer | Bank transferInstant EFT |
| KenyaAfrica | KES | CardsM-PesaBank transfer | M-PesaBank transfer |
| GhanaAfrica | GHS | CardsMTN Mobile MoneyBank transfer | MTN Mobile MoneyBank transfer |
| IndiaAsia | INR | CardsUPIIMPSNetBankingWallets | UPIIMPSNEFTRTGS |
| ChinaAsia | CNY | CardsAlipayWeChat PayUnionPay | Bank transferAlipay |
| JapanAsia | JPY | CardsKonbiniPayPayBank transfer | Bank transferPayPay |
| South KoreaAsia | KRW | CardsKakaoPayNaver PayBank transfer | Bank transferKakaoPay |
| SingaporeAsia | SGD | CardsPayNowFASTGrabPay | PayNowFASTWire |
| Hong KongAsia | HKD | CardsFPSWire | FPSWire |
| IndonesiaAsia | IDR | CardsQRISOVOGoPayVirtual Account | Bank transferGoPayOVO |
| ThailandAsia | THB | CardsPromptPayTrueMoneyBank transfer | PromptPayBank transfer |
| VietnamAsia | VND | CardsMoMoZaloPayBank transfer | Bank transferMoMo |
| PhilippinesAsia | PHP | CardsGCashMayaInstaPayPESONet | GCashInstaPayPESONet |
| MalaysiaAsia | MYR | CardsDuitNowFPXTouch 'n Go | DuitNowBank transfer |
| AustraliaOceania | AUD | CardsPayIDBPAYOSKO | PayIDOSKOBank transfer |
| New ZealandOceania | NZD | CardsPOLiBank transfer | Bank transfer |
Any fintech, bank or developer can integrate at any layer — no contracts, no approvals, no opaque pricing.
Unified stablecoin liquidity across major chains and assets. The protocol routes settlement automatically.
Users, builders and liquidity providers own the network. Governance and revenue route on-chain to $CRED holders.
Programmable settlement, sub-second confirmation, and native cross-border flow with no correspondent banks.
Programmable compliance hooks, transparent reserves, and tooling for regulated entities and treasury teams.
Every primitive is open — combine transfers, FX, payouts and yield to ship financial products in days.
The fiat-stablecoin payment gateway for fintechs and financial institutions. Open APIs for on/off-ramps, payouts, FX and settlement.
The consumer interface — zero-cost stablecoin transactions, peer-to-peer and merchant-pay. Stablecoins that feel like Venmo.
The on-chain ownership layer. Governs the protocol, aligns incentives, and routes revenue back to the network. Launching on MetaDAO.
| Point | Credible | Bridge | Thunes | Stripe |
|---|---|---|---|---|
| Sales funnel | Self-serve | Sales-led | Sales-led | Hybrid |
| Monthly commitment | None | Minimums | Minimums | Enterprise only |
| Prefunding · Permissionless pool | Open pool | Private | Private | Private |
| Stablecoin settlement | Native | Yes | Off-chain | Limited |
| T+0 settlement | Instant | Same-day | T+1 / T+2 | T+2 standard |
| Modern merchant support | All verticals | Selective | Traditional | Restricted |
| Tokenized ownership · $CRED | $CRED | No | No | No |
Plug into Credible's protocol, orchestration APIs and consumer rails. Open to any fintech, financial institution or developer — start in minutes.
