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USDC · Solana
The deepest stablecoin liquidity pool. Average 7-day APY of 16.4%. Receipt token: lUSDC-SOL.
- Pool TVL: $48.2M
- Utilization: 82%
- 7d APY: 16.4%
- 30d APY: 15.8%
- Min deposit: $100
- Settlement: per-block
01 — 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
02 — 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.
₮
USDT · Solana
Active in remittance corridors. Average 7-day APY of 15.9%. Receipt token: lUSDT-SOL.
- Pool TVL: $31.7M
- Utilization: 74%
- 7d APY: 15.9%
- 30d APY: 15.5%
- Min deposit: $100
- Settlement: per-block
$
USDC · Polygon
EU and LATAM corridors. Average 7-day APY of 16.2%. Receipt token: lUSDC-POL.
- Pool TVL: $22.4M
- Utilization: 79%
- 7d APY: 16.2%
- 30d APY: 15.6%
- Min deposit: $100
- Settlement: per-block
₮
USDT · Polygon
APAC and MENA payout flows. Average 7-day APY of 15.7%. Receipt token: lUSDT-POL.
- Pool TVL: $18.9M
- Utilization: 71%
- 7d APY: 15.7%
- 30d APY: 15.3%
- Min deposit: $100
- Settlement: per-block
03 — 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 will, 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.
04 — 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.
05 — Industries the pool funds
Your liquidity powers real-world flows.
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.
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.