Credible PayFi Vault

Liquid Yield Token tracing a payment financing yield strategy

Credible PayFi Vault

Liquid Yield Token tracing a payment financing yield strategy

~APY

Token Price

TVL

Redemption Time

~7 days

About

Credible PayFi Vault provides on-chain exposure to short-duration payment financing via Credible Finance's regulated PayFi platform, enabling real-world settlement and transaction flows.

By advancing stablecoins for T+0 execution while fiat settles off-chain, the strategy benefits from frequent cash flows and rapid capital rotation, aiming to deliver consistent, risk-aware real-world income suited to on-chain growth strategies.

Yield sourced from world-class operators

~APY

Token Price

TVL

Redemption Time

Yield sourced from world-class operators

Asset Allocation

Real-time onchain vault composition token balances.

Hedera Explorer

Payment Financing

100%

Asset	30D APY	Weight
Credible	16.00%	100%

Asset Allocation

Real-time onchain vault composition token balances.

Asset	30D APY	Weight

Security

All the smart contracts are audited by leading crypto security firms.

Report

Audited on 19.11.2025

Report

Audited on 13.01.2026

Report

Security

All the smart contracts are audited by leading crypto security firms.

Vault Overview (FAQs)

Everything you need to know about how the Vault works

The Credible PayFi Vault provides exposure to short-duration payment financing, where capital is used to advance stablecoins for real-world settlement and transaction flows rather than long-term lending.

Strategy execution, credit exposure, and repayment obligations are managed by Credible Finance through its PayFi platform. The vault itself is non-custodial and does not directly originate loans.

Yield is generated from fees and spreads earned on short-term payment advances and settlement financing. These cash flows are frequent and short in duration, allowing rapid capital rotation.

The vault uses a NAV-based pricing model, with periodic NAV updates reflecting deployed capital and accrued yield. Redemptions are notice-based and typically settle within ~7 days, subject to payment settlement cycles.

The vault is exposed to offchain payment and credit risk, operational risk, and liquidity timing risk related to settlement cycles. There are no capital guarantees, and any losses are reflected in the vault NAV.

Vault Overview (FAQs)

Everything you need to know about how the Vault works

Mint USDC

0.000000 USDC

You receive

0.00000000bCRED

Exchange

Protocol fees

10%

Mint USDC

0.000000 USDC

You receive

0.00000000bCRED

Exchange

Protocol fees

10%

Mint

Redeem

Mint

You receive

Exchange

Protocol fees

Mint

Redeem

Mint

You receive

Exchange

Protocol fees