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.
A full bank stack, minus the charter.
Named accounts, cards that spend from balance, and cross-border transfers, all on infrastructure you integrate instead of build.
Named multi-currency accounts
Give each user named USD, EUR, and GBP accounts that receive and hold balances in their own name.
Card issuing on balance
Issue Visa and Mastercard cards that spend directly from the user’s multi-currency balance, no separate float.
Same-day settlement
Real-time and same-day rails so transfers clear without waiting on batch windows.
Built-in FX
Convert between USD, EUR, GBP and 30+ local currencies at the mid-market rate 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.
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, or mobile wallets, 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
Bank rails
Settle to bank via ACH, Fedwire, SEPA Instant or Faster Payments, matched to how your treasury runs.
Banks we power.
Everyday multi-currency banking
Offer accounts, cards, and instant transfers in several currencies without a charter in each market.
Earn here, send home
Let users hold a foreign-currency salary and send it home at mid-market FX in one tap.
Cross-border SMB accounts
Give business users named accounts to collect globally, hold currency, and pay out across borders.
Other businesses we power.
Remittance Apps
Every corridor with FX and local payout rails, from a single API, so you launch new markets in weeks.
Explore →Payment Aggregators
Orchestrate acquirers and local methods behind one API, with split settlement and real-time reconciliation.
Explore →Creator Platforms
Tipping, subscriptions, and marketplace payouts to creators across geographies, without the chargeback headache.
Explore →MTOs
Extend your corridors with bank, wallet and cash-pickup payouts, FX, and sanctions screening in the flow.
Explore →Marketplaces
Take one buyer payment, split it across sellers and fees, and pay every seller out in their local currency.
Explore →SaaS & Subscriptions
Collect subscription revenue in local currencies and methods without a local entity in each market.
Explore →Import/Export
Collect from overseas buyers into named USD, EUR and GBP accounts and pay suppliers in 40+ markets at mid-market FX.
Explore →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.