2.0 – 4.0%
all-in cost per swipe
- Coinbase Card2.49%
- Crypto.com Card~2.50%
- BitPay Card~3.00%
- Wirex (intl.)~1.5–2.0%
- Visa / MC dynamic FX+1.0–3.0%
Plus chargeback risk and rolling reserves on merchants.
01 — The hidden tax on crypto cards
Every crypto card takes 2–4%.
Creddy takes 0%.
FX spread. Dynamic conversion. Network assessments. Crypto cards stack three taxes on every swipe and bury them in the fine print. Creddy uses end-to-end stablecoin rails with mid-market FX — there’s nothing to bury.
0.0%
consumer · merchant · cross-currency
- FX spreadmid-market · 0%
- Consumer transaction fee0%
- Merchant processing0%
- Dynamic conversionnone
- Card network markupnone
On-chain settlement, mid-market FX, no chargebacks.
On a $1,000 cross-currency spend
$20–$40paid in fees on a crypto card→$0paid in fees with Creddy
02 — How it works
Top up local. Spend anywhere.
Settle in your own currency.
Four people. Four currencies. One Creddy. Follow a single transaction end-to-end — from local top-up, through cross-currency FX, to merchant settlement and bank withdrawal.
Priya tops up in Mumbai
Priya scans UPI from her HDFC app — ₹50,000 lands as 50,000 cINR in her Creddy account in under 4 seconds. The c-balance is fully backed 1:1 by stablecoin reserves.
creddy.app · top-up
FromHDFC ****8821
ViaUPI · Instant
₹50,000
c50,000 cINR1:1 backed
FX engine
Every transaction is an FX event.
Top up in your local currency, get a c-balance backed 1:1. When you spend or send, Creddy auto-converts at mid-market to the receiver’s preferred c-currency — so both sides always land in the money they actually use.
Backed 1:1 by reserves Mid-market FX Receiver’s preferred currency
03 — How to use Creddy
Like Zelle. Like Venmo. Like Chime.
Across every currency.
Four taps to spend, send, and save across currencies — without a foreign bank account, without a single fee. If you’ve used Venmo, you already know how this works.
- 01
Sign up in 60 seconds
Email, phone, and quick KYC — no bank account, no foreign card required. Your Creddy account is ready before your coffee.
- 02
Top up from your local rail
UPI, Pix, GCash, M-Pesa, ACH, SEPA, IMPS, PromptPay, or a debit card. Funds land instantly as a c-balance — cINR, cBRL, cPHP — backed 1:1.
- 03
Spend or send anywhere
Tap-to-pay at any Creddy merchant, scan a QR in-store, or send to anyone with a username, phone, or deep link. Domestic or cross-border — the UX is identical.
- 04
FX happens for free
Pay €10, your cINR debits at mid-market and the merchant receives cEUR. No spread. No card network. Just like Venmo — except across every currency.
04 — How merchants accept Creddy
Accept any currency.
Settle in yours. Keep 100%.
Onboard the global customer base that cards can’t reach. Receive every payment in your preferred c-currency, withdraw to local bank anytime — at 0% processing cost, no chargebacks.
- 01
Self-onboard + KYB
Sign up at credible.finance/merchant, upload business docs, get verified async — typically same business day.
- 02
Drop in the Creddy button
One line of code for online checkout, a QR sticker for in-store, or our SDKs for in-app. Works alongside your existing card processor — no rip-and-replace.
- 03
Customers pay — in any currency
An Indian shopper pays cINR, a Brazilian shopper pays cBRL, a Filipino shopper pays cPHP. Your checkout still quotes in your price; the FX happens at the engine.
- 04
Settle in your preferred currency
Receive cUSD, cEUR, cAED — whatever you pick as your settlement currency. Withdraw to local bank via SEPA, ACH, IMPS, AANI … or hold as USDC for treasury.
05 — Top up from anywhere
Your local rail.
Funds your global payment method.
Pick the local rail that’s instant in your market. Funds land in Creddy as a c-balance, ready to spend anywhere on Credible.
06 — Built for
Industries Creddy unlocks first.
Verticals where the limitations of card networks have kept global consumers and merchants apart — until now.
01
Prediction Markets
High-velocity deposits, resolution-driven payouts.
02
Stablecoin Fintechs
Fiat on/off-ramps & on-chain reconciliation.
03
Creator Platforms
Tips, subs & instant payouts to creators.
04
Web3 Platforms
Wallet-to-fiat, fiat-to-wallet, programmable treasury.
05
Traders & Brokers
Margin top-ups & deterministic P&L withdrawals.
06
AI Startups
Usage-based billing & global card collections.
07
Gaming & Sports
In-game purchases, tournament payouts, fantasy.
08
Entertainment Apps
Microtransactions, streaming top-ups, at scale.
Beat the 2–4% tax. Across every currency.
Sign up for Creddy in seconds, top up from your local rail, and pay or send money anywhere — at 0% to you and 0% to the merchant. The universal payment method Zelle, Venmo and Chime never built.