Named multi-currency accounts
Give each user named USD, EUR, and GBP accounts that receive and hold balances in their own name.
Industries / Neobanks
Run global money movement
without becoming a bank.
Launching a challenger bank shouldn’t mean a banking licence in every market. Credible gives you multi-currency accounts, card issuing, and settlement behind one ledger and one API.
01. Why Credible for neobanks
A full bank stack, minus the charter.
Named accounts, cards that spend from balance, and on/off-ramps, all on infrastructure you integrate instead of build.
Card issuing on balance
Issue Visa and Mastercard cards that spend directly from the user’s multi-currency balance, no separate float.
Instant settlement
T+0 movement fronted by a stablecoin liquidity pool, so transfers clear without waiting on batch windows.
Fiat ↔ stablecoin ramp
On- and off-ramp between fiat and USDC/USDT on Solana and EVM inside the same account.
One ledger, one API
Accounts, cards, FX, and settlement share a single ledger and REST API with webhooks for every event.
Compliance & screening
Async KYB, KYC, and transaction screening built in so you scale users without standing up a compliance stack.
02. How it works
Fund. Hold. Spend.
One stack runs the money lifecycle inside your app, from deposit to card spend to cross-border send.
01 · Fund
Global pay-in
Top up balances with cards, UPI, Pix, SEPA, ACH, wallets, or stablecoins, however your users hold money.
02 · Hold
Multi-currency balances
Keep funds in named USD, EUR, and GBP accounts and convert at mid-market rates across 30+ currencies.
03 · Spend
Cards & transfers
Spend from balance on issued cards, or send to bank, wallet, or card across 40+ markets.
04 · Settle
Fiat or on-chain
Settle to bank via ACH/SEPA or on-chain in USDC/USDT, matched to how your treasury runs.
03. Use cases
Banks we power.
Consumer neobanks
Everyday multi-currency banking
Offer accounts, cards, and instant transfers in several currencies without a charter in each market.
Crypto-native banks
Fiat & stablecoin in one app
Let users move between fiat balances and stablecoins without leaving the account or a third-party ramp.
Business banks
Cross-border SMB accounts
Give business users named accounts to collect globally, hold currency, and pay out across borders.
The banking stack, without the banking licence.
Onboard, complete KYB, and issue accounts and cards on real rails, without chartering a bank to do it.