Plume Network is proud to partner with Credible Finance, a full-stack payment financing platform within the Plume ecosystem, as they gear up to process $500 million in payment transactions by December 2025. Leveraging Plume’s modular RWAfi L1 blockchain infrastructure, Credible is a full-stack PayFi protocol that combines stablecoins, debt tokenization, and advanced AI-driven credit scoring. Credible Finance is backed by prominent investors such as Outlier Ventures, BitSwiss Capital, and Circle; Credible is at the forefront of transforming decentralized finance. Credible is actively raising its seed round while continuing to innovate and expand, further strengthening its foundation for global impact.

As a strategic partner, Plume is deeply integrated within Credible’s infrastructure. From empowering their native credit scoring mechanisms to supporting their validator oracle network and incorporating their yield-generating products across Nest and various Plume-based lending protocols, this partnership is a cornerstone of Plume’s commitment to decentralized finance innovation.

Credible’s full-stack platform is designed to address the complexities of payment financing with a comprehensive approach:

• DeFi for Collateral Management: Ensures full transparency in collateral handling, preventing issues similar to those seen with Celsius and BlockFi. This secures borrower assets while maintaining trust and accountability.
• Licensed Framework: Operates in compliance with payment, lending, and crypto regulations, tailored to fit the needs of borrowers and the jurisdictions they operate in.
• Fintech App: A seamless platform enabling fiat borrowing and repayment for end-users. Additionally, Credible provides an SDK for fintech developers to build custom solutions on top of their infrastructure.
• Oracle AI for Reputation Building: Aiming to transition from overcollateralized to undercollateralized and eventually no-collateral loans, Credible’s AI-powered Oracle integrates a credit scoring model akin to FICO. This system builds onchain reputations for borrowers by assessing wallet activity across DeFi platforms.

Transforming PayFi with Decentralized Innovation

Credible Finance’s PayFi solutions span invoice payments, payroll, card top-ups, and BNPL offerings for retail and institutional users alike. These services, built on Plume’s robust blockchain foundation, are designed to deliver a seamless and secure transactional experience.

Credible Finance is building an advanced oracle stack designed to revolutionize onchain credit scoring and reputation systems. This AI-powered oracle leverages a credit scoring model akin to FICO, aggregating wallet and transactional data across DeFi platforms, including those outside Credible Finance, to create transparent, unbiased credit assessments. With a long-term vision of transitioning from overcollateralized to undercollateralized and eventually no-collateral loans, this system enables borrowers to establish robust onchain reputations. Governed by a coalition of partners like Credora, Brickken, DeFactor, and BitSwiss Capital, Credible’s oracle stack exemplifies innovation in secure, scalable DeFi infrastructure.

Supporting the Next Frontier of DeFi-Powered Financing

Plume is collaborating with Credible Finance to advance their long-term vision of decentralized, AI-driven credit solutions. By integrating Credible’s products across Nest, Plume enables smooth participation in yield-generating opportunities and enhances accessibility to under-collateralized and no-collateral loans.

“Credible is setting a gold standard for what PayFi can achieve in the decentralized finance space,” said Chris Yin, CEO of Plume Network. “Their success is a testament to the robustness of Plume’s RWAfi infrastructure to drive transformative solutions that are global, scalable, and user-centric.”

A Shared Vision for Global Impact

Credible has facilitated $6 million in USDC loans over the past three months since its private launch, showcasing strong early adoption and operational efficiency. These transactions, executed on a live network, underscore Credible’s ability to deliver impactful and scalable financial solutions. Operating out of Abu Dhabi, Credible is actively expanding its presence in key markets, including Singapore, India, Brazil, and the Philippines, positioning itself for significant growth and success as it prepares for its mainnet launch.

Looking Ahead: A Future of Decentralized and Transparent Financial Services

Plume’s collaboration with Credible underscores its commitment to supporting innovative DeFi solutions that enable liquidity, efficiency, and trust at scale. With a target of $500 million in transactions by 2025, Credible is a testament to the transformative potential of PayFi and a beacon of what’s possible when visionary platforms like Plume and Credible come together to reshape global financial systems.

About Credible

Credible Finance is a full-stack payment financing platform that offers invoice payments, payroll, card top-ups, and Buy Now Pay Later (BNPL) solutions. Serving both institutional and retail users, the platform provides businesses with access to liquidity without needing to liquidate their crypto holdings. With a focus on AI-driven credit scoring, stablecoin lending, and debt tokenization, Credible Finance is building a decentralized financial infrastructure that is secure, efficient, and fully compliant with global regulatory standards. For more information, users can visit www.credible.finance or follow https://x.com/crediblefin

About Plume

Plume is the first fully integrated L1 modular blockchain focused on RWAfi, offering a composable, EVM-compatible environment for onboarding and managing diverse real-world assets. With 180+ projects on its private devnet, Plume provides an end-to-end tokenization engine and a network of financial infrastructure partners, simplifying asset onboarding and enabling seamless DeFi integration for RWAs. Users can learn more at https://www.plumenetwork.xyz/ or contact [email protected].

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