Credible Finance

Start by opening a Credible Finance account, completing verification, and connecting your wallet. Add your business details, link supporting documents, and choose the asset you want to digitize—receivables, real estate, inventory, or short-term notes. The platform packages those documents into a compliant on-chain token, assigns a risk profile, and sets borrowing parameters. You review the proposed limits, interest options, and repayment schedule, then draw funds to your wallet or route them to a bank via the fiat ramp. Set autopay from incoming revenues, pick due dates, and enable alerts so you always know when utilization, LTV, or rates change.

If you supply capital, you browse permissioned pools with clear collateral criteria, tenor, and expected yield. Each pool displays live metrics: utilization, historical performance, haircut rules, and daily collateral values. Deposit stablecoins, choose stable or variable rates, and enable auto-compounding. You can ladder maturities, set withdrawal windows, and subscribe to risk notices that flag concentration or LTV drift. When you need liquidity, queue a partial withdrawal or move funds to a shorter-duration pool without closing your entire position. Payouts and statements are available on demand for accounting.

For finance teams, the dashboard centralizes positions across entities with role-based access, multisig approvals, and audit trails. Treasury can park surplus cash in short-duration, asset-backed pools, borrow against receivables to smooth cash flow, or refinance as invoices settle. The API and SDK expose pool stats, NAV updates, and position endpoints so you can automate sweeps, reconcile in your ERP, and trigger rebalancing based on policy. Webhooks push events for margin calls, rate changes, or document expirations. CSV exports and standardized reports simplify month-end close and audits.

Operations stay predictable with Credible’s CeDeFi model: off-chain collateral is verified and attested; on-chain tokens represent entitlement and enforce rules. Oracles update collateral values on a fixed cadence. If LTV rises, you receive margin alerts with one-click options to top up, repay, or request a refinance. Liquidations follow a transparent waterfall that prioritizes senior lenders and protects borrowers who act promptly. Gas and fees are shown up front; repayment simulations estimate total cost before you commit. Support teams can spin up sandbox pools for testing, migrate positions between pools at rollover, and maintain compliance using built-in KYC, document renewals, and access controls. From first collateral upload to final repayment, the workflow keeps every step visible, actionable, and tied to real data.