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Credible
Payments / Liquidity

Bankroll global
payments. Earn yield.

Your USDC and USDT on Solana and Polygon bankrolls instant settlement to merchants and recipients. Capital rolls back into the pool every 72 hours as card networks, ACH and SEPA settle. Audited contracts. Receivables-secured. AI-underwritten per-transaction , earning 8% to 16% APY from real payment volume, by lock-in term.

Provide liquidity How the pool works
8–16%
APY by lock-in term
72h
Capital rotation (T+3)
2
Chains supported
01. Yield by term

Longer lock-in. Higher APY.

Choose a lock-in term when you deposit. The longer you commit, the more you earn, from 8% APY at 7 days up to 16% APY at 360 days.

7 days
8%APY
lock-in
30 days
10%APY
lock-in
90 days
12%APY
lock-in
180 days
14%APY
lock-in
Best rate
360 days
16%APY
lock-in

APY accrues from real payment-volume yield and is paid at maturity. Terms apply per deposit, so you can ladder several deposits across different terms.

02. How the pool works

Bankroll. Settle. Recycle.

The pool fronts capital the moment a merchant or recipient needs it. Traditional rails settle back to the pool every 72 hours. Every floated transaction is AI-underwritten and secured by confirmed receivables.

Bankrolls instant settlement

The moment a pay-in is approved or a pay-out is requested, the pool fronts capital to the merchant or recipient, no waiting on card networks or correspondent banks.

  • T+0 to merchant / recipient
  • 24/7 across 40+ markets
  • Pay-in + pay-out flows
  • Multi-corridor exposure

Capital rolls every 72 hours

Card networks, ACH, SEPA and acquirers settle back into the pool on the standard T+3 cycle. Your capital is continuously recycled across thousands of transactions per day.

  • 72-hour turnover
  • T+3 settlement reflux
  • High capital efficiency
  • Per-block yield accrual

AI underwrites every txn

Pool liquidity is only floated for transactions that pass real-time AI risk scoring. Counterparty trust, jurisdictional rules, and receivables strength are scored per transaction.

  • Per-transaction risk model
  • Counterparty & corridor scoring
  • Dynamic utilization caps
  • Adversarial fraud detection

Secured by receivables · audited contracts

Pool capital is only deployed against confirmed receivables from acquirers, banks and pay-in providers. Vault contracts on Solana and Polygon are open-source and audited.

  • Receivables-backed exposure
  • Audited Solana & Polygon vaults
  • Non-custodial (keys stay with LPs)
  • Continuous on-chain monitoring
03. Supported chains & assets

Deposit on Solana
or Polygon, same yield.

Pools live on both chains. Receipt tokens are chain-native. Cross-chain rebalancing is handled by the protocol behind the scenes.

$

USDC · Solana

The deepest stablecoin liquidity pool. Receipt token: lUSDC-SOL.

  • Utilization: 82%
  • APY: 8–16% by term
  • Min deposit: $100
  • Settlement: per-block
₮

USDT · Solana

Active in remittance corridors. Receipt token: lUSDT-SOL.

  • Utilization: 74%
  • APY: 8–16% by term
  • Min deposit: $100
  • Settlement: per-block
$

USDC · Polygon

EU and LATAM corridors. Receipt token: lUSDC-POL.

  • Utilization: 79%
  • APY: 8–16% by term
  • Min deposit: $100
  • Settlement: per-block
₮

USDT · Polygon

APAC and MENA payout flows. Receipt token: lUSDT-POL.

  • Utilization: 71%
  • APY: 8–16% by term
  • Min deposit: $100
  • Settlement: per-block
04. Safeguards

How your capital is protected.

Pool risk is bounded by underwriting, utilization caps, and on-chain transparency. Credible never takes custody of LP funds.

Non-custodial vaults

Funds live in audited on-chain smart contracts. Credible never holds keys. LPs withdraw at the end of their lock-in term, subject to pool utilization.

Underwriting per transaction

Every payment request is risk-scored. The pool only fronts capital where receivables and counterparties pass thresholds.

Utilization caps

Each pool has a hard ceiling on deployed capital so withdrawals stay liquid. Default cap is 85% utilization.

Continuous monitoring

Continuous borrower and collateral tracking with on-chain transparency to safeguard capital throughout the cycle.

Receivables-backed

Capital is only deployed against confirmed receivables from acquirers, banks, and pay-in providers, not unsecured exposure.

Auditable on-chain

Every deposit, deployment, settlement, and yield distribution is on-chain and queryable. No black-box accounting.

05. Who provides liquidity

From DeFi-native to treasury teams.

DeFi protocols

Yield routing

Plug Credible pools into yield aggregators and money markets. Real-world receivables as a yield source alongside on-chain strategies.

Crypto-native funds

Stable-yield allocation

Allocate a portion of stablecoin treasury to a receivables-backed pool with daily liquidity and transparent risk metrics.

Corporate treasury

Stablecoin balances at work

If you hold USDC or USDT as part of your treasury, Credible pools provide a non-speculative yield grounded in real payment volume.

06. Industries the pool funds

Your liquidity powers real-world flows.

01

Remittance Apps

Every corridor, FX and local payout, one API.

02

Neobanks

Multi-currency accounts, cards and settlement.

03

Stablecoin Fintechs

Fiat on/off-ramps & on-chain reconciliation.

04

Payment Aggregators

Orchestrate every rail through one integration.

05

Creator Platforms

Tips, subs & instant payouts to creators.

06

Crypto Wallets

Embedded on/off-ramps for USDC & USDT.

07

MTOs

Corridors, cash pickup & compliant settlement.

08

Gaming & Sports

Skill-based games & guild tournament payouts.

Put your stablecoins to work in the real economy.

Open a vault on Solana or Polygon, deposit USDC or USDT, and start earning yield from real payment volume, in minutes.

Provide liquidity Talk to us