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Learn moreCredible Finance
Move Money, FASTER.
Backers will be able to commit USDC here once this launch goes live.
Backers will be able to commit USDC here once this launch goes live.
Introduction to 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.
Who our customers are and why they love us
Today, 95% of Credible's merchants are US companies that want access to non-US markets, both to collect (pay-in) and to disburse (pay-out), with instant and cost-effective settlement. That is exactly the gap legacy PSPs leave open, and it is where Credible wins.
Prediction markets, trading platforms, AI startups, creator apps, gaming companies, ecommerce operators, and global marketplaces all need payments that work across emerging markets and stablecoin rails. Today, many are forced to stitch together local processors, banking partners, payout providers, compliance vendors, and treasury tooling just to operate.
Credible gives them one integration for global pay-ins, pay-outs, accounts, and liquidity, and handles the rails underneath: async KYB, licensed partner coverage, orchestration, real-time risk underwriting, and compliance workflows across supported markets.
Our business is growing… fast
We’ve processed $784M+ in payments to date, with $146M in June 2026, our largest month.
This means our current revenue run rate is $3.5M, with a blended take rate of roughly 0.2%.
This volume is verifiable and diversified across real, recurring use cases: 40% in remittances, 30% in creator payments, 15% in dropshipping, 8% in gaming and sports, and 7% in ecommerce.
In addition, we have a live pilot with Owlting (NASDAQ: OWLS) and several other undisclosed partners.
We’re the right people to solve this problem
Credible was founded by two long-time business partners: Shrikant (Shri) Bhalerao as CEO and Akshay Soam as CTO.
Before Credible, we built a healthcare fintech, Kiwimoney, that exited to Anq.
Shri has spent 14+ years in payments. He’s worked on card acquiring and issuing at Gemalto (acquired by Thales), payment orchestration at CellPoint Digital, global commerce at Anatwine (acquired by Zalando), enterprise infrastructure at Oracle, and crypto-backed credit at Nexo.
Akshay has spent 10+ years across fintech, gaming, and payments at YooZoo Games and HSBC. Before that, he got his Master’s in AI/ML from Liverpool John Moores University.
We’re raising to accelerate our growth
Our current monthly burn averages $185,000 per month. ~70% of that pays for our financial infrastructure: our banking, acquirer, and merchant of record relationships. The remaining, ~$55,000 per month, pays our team’s salaries. Today, neither of the founders takes a salary.
To scale, we will need to increase our spend on acquirer and banking infrastructure, compliance, operations, product, and licensing CapEx. After this MetaDAO raise, we may spend up to $500,000 per month, with the following estimated split:
- Acquirer and banking infrastructure (security deposits, first-loss capital, minimum balances, setup fees): $180,000
- Compliance and Merchant of Record (MoR entities, local directors, taxes, regulatory): $140,000
- Operations (account and relationship managers, OTC and liquidity desk, KYT tooling): $45,000
- Product (KYC/AML tooling, information security and SOC 2, engineering, QA): $45,000
- Licensing capex (new-market license acquisition): $90,000
This will be funded by a combination of our $250,000 monthly allowance and Credible’s revenue.
Deal terms
CRED is an ownership coin, not equity and not a security. It represents community ownership of Credible, governed through MetaDAO's decision market structure.
All IP is held by a segregated portfolio of Futarchy Governance SPC that enshrines the CRED token as the oversight instrument of Credible. You can read more about how MetaDAO works in the docs.
We’re raising between $2,000,000 and $4,000,000, depending on community demand.
We already have $2,315,000 in soft commits from institutional participants (funds) that we think would be helpful for Credible for this raise. We have the ability to allocate to them, separate from MetaDAO’s pro rata allocation system. They would receive the same terms - the same price and liquidity - as other ICO participants. Note that these are soft commits - they’re not legally binding - but they’re from reputable funds.
The initial split of CRED is as follows:
- ICO: 10,000,000 (fully liquid)
- AMM Liquidity: 2,900,000 (fully liquid)
- Prior investors: 5,230,709 (industry-standard 3-year linear vest with 1-year cliff)
- Initial team performance package: 4,532,678 (price-based unlocks, with minimum 18-month start period and tranches at 2x, 4x, 8x, 16x, and 32x ICO price)
CRED, like other ownership tokens, will be mintable and we plan to top up our team’s performance package, similar to an option pool, via future proposals.
Links
- Website: https://credible.finance
- Docs: https://credible.gitbook.io
- On-chain metrics (Dune): https://dune.com/credible/stats
- Twitter/X: https://x.com/crediblefin
- Telegram: https://t.me/crediblefinance
Terms & Conditions
For additional terms and information please refer to the Credible Terms of Service and MetaDAO Terms of Service.
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About
Introduction to 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.
Who our customers are and why they love us
Today, 95% of Credible's merchants are US companies that want access to non-US markets, both to collect (pay-in) and to disburse (pay-out), with instant and cost-effective settlement. That is exactly the gap legacy PSPs leave open, and it is where Credible wins.
Prediction markets, trading platforms, AI startups, creator apps, gaming companies, ecommerce operators, and global marketplaces all need payments that work across emerging markets and stablecoin rails. Today, many are forced to stitch together local processors, banking partners, payout providers, compliance vendors, and treasury tooling just to operate.
Credible gives them one integration for global pay-ins, pay-outs, accounts, and liquidity, and handles the rails underneath: async KYB, licensed partner coverage, orchestration, real-time risk underwriting, and compliance workflows across supported markets.
Our business is growing… fast
We’ve processed $784M+ in payments to date, with $146M in June 2026, our largest month.
This means our current revenue run rate is $3.5M, with a blended take rate of roughly 0.2%.
This volume is verifiable and diversified across real, recurring use cases: 40% in remittances, 30% in creator payments, 15% in dropshipping, 8% in gaming and sports, and 7% in ecommerce.
In addition, we have a live pilot with Owlting (NASDAQ: OWLS) and several other undisclosed partners.
We’re the right people to solve this problem
Credible was founded by two long-time business partners: Shrikant (Shri) Bhalerao as CEO and Akshay Soam as CTO.
Before Credible, we built a healthcare fintech, Kiwimoney, that exited to Anq.
Shri has spent 14+ years in payments. He’s worked on card acquiring and issuing at Gemalto (acquired by Thales), payment orchestration at CellPoint Digital, global commerce at Anatwine (acquired by Zalando), enterprise infrastructure at Oracle, and crypto-backed credit at Nexo.
Akshay has spent 10+ years across fintech, gaming, and payments at YooZoo Games and HSBC. Before that, he got his Master’s in AI/ML from Liverpool John Moores University.
We’re raising to accelerate our growth
Our current monthly burn averages $185,000 per month. ~70% of that pays for our financial infrastructure: our banking, acquirer, and merchant of record relationships. The remaining, ~$55,000 per month, pays our team’s salaries. Today, neither of the founders takes a salary.
To scale, we will need to increase our spend on acquirer and banking infrastructure, compliance, operations, product, and licensing CapEx. After this MetaDAO raise, we may spend up to $500,000 per month, with the following estimated split:
- Acquirer and banking infrastructure (security deposits, first-loss capital, minimum balances, setup fees): $180,000
- Compliance and Merchant of Record (MoR entities, local directors, taxes, regulatory): $140,000
- Operations (account and relationship managers, OTC and liquidity desk, KYT tooling): $45,000
- Product (KYC/AML tooling, information security and SOC 2, engineering, QA): $45,000
- Licensing capex (new-market license acquisition): $90,000
This will be funded by a combination of our $250,000 monthly allowance and Credible’s revenue.
Deal terms
CRED is an ownership coin, not equity and not a security. It represents community ownership of Credible, governed through MetaDAO's decision market structure.
All IP is held by a segregated portfolio of Futarchy Governance SPC that enshrines the CRED token as the oversight instrument of Credible. You can read more about how MetaDAO works in the docs.
We’re raising between $2,000,000 and $4,000,000, depending on community demand.
We already have $2,315,000 in soft commits from institutional participants (funds) that we think would be helpful for Credible for this raise. We have the ability to allocate to them, separate from MetaDAO’s pro rata allocation system. They would receive the same terms - the same price and liquidity - as other ICO participants. Note that these are soft commits - they’re not legally binding - but they’re from reputable funds.
The initial split of CRED is as follows:
- ICO: 10,000,000 (fully liquid)
- AMM Liquidity: 2,900,000 (fully liquid)
- Prior investors: 5,230,709 (industry-standard 3-year linear vest with 1-year cliff)
- Initial team performance package: 4,532,678 (price-based unlocks, with minimum 18-month start period and tranches at 2x, 4x, 8x, 16x, and 32x ICO price)
CRED, like other ownership tokens, will be mintable and we plan to top up our team’s performance package, similar to an option pool, via future proposals.
Links
- Website: https://credible.finance
- Docs: https://credible.gitbook.io
- On-chain metrics (Dune): https://dune.com/credible/stats
- Twitter/X: https://x.com/crediblefin
- Telegram: https://t.me/crediblefinance
Allocations
Allocations on MetaDAO are now time-based, the earlier you commit the higher percentage you are likely to receive. You can read more about this by visiting our docs.
MetaDAO, with the entrepreneur's guidance, has the discretion to allocate to holders that it would deem positive for the project.
Terms & Conditions
For additional terms and information please refer to the Credible Terms of Service and MetaDAO Terms of Service.
© MetaDAO LLC 2023-2026© 2023-2026. ALL RIGHTS RESERVED.
