Creddy is a universal QR payment method by Credible. Top up with any local rail you already use, then spend anywhere a QR is scanned and send anywhere across borders — in seconds, at mid-market rates. One QR. Every QR.
Creddy ships with the local top-up rails real people already use — then becomes a single QR they can spend, send and receive with anywhere on earth. From a market in São Paulo to a ramen shop in Hanoi to a Steam checkout at midnight.
Creddy abstracts every local rail so paying feels the same everywhere. Pick a top-up method, generate a QR, get scanned — the conversion happens under the hood, in real time, at mid-market rates.
Scan a QRIS, tap UPI, send a Pix — fund Creddy instantly using the rail that already lives on your phone.
A single, secure QR is generated for every payment — settled on Credible-grade stable money under the hood.
Show the QR at any Creddy-enabled checkout — Steam, Discord, Zoom, Shopee — and you're done. No card, no FX surprise.
Creddy speaks the language of every major QR ecosystem on earth. Show your Creddy QR at a checkout in Jakarta, scan a UPI QR in Bengaluru, send to a Pix key in São Paulo — it all just works. No bank, no wallet, no card.
No account, no KYC marathon, no Monday-to-Friday hours. Sign up in minutes with a phone number and a local top-up rail.
Creddy isn't another app to manage a balance in. It's a universal QR that sits on top of the rails you already use.
No 16-digit number to memorise, no CVV to mistype, no expiry to renew, no “international” surcharge to swallow.
Show your Creddy QR at any merchant that accepts UPI, QRIS, QRPH, VietQR, PromptPay, DuitNow, Pix or Alipay. That's 80%+ of QR checkouts on earth — and counting.
Send to any phone number, any QR, any UPI ID, any Pix key, any IBAN. Cross-border in seconds, mid-market rates — your recipient gets local currency in their existing app.
Creddy plugs into every category Credible was built to serve — prediction markets, AI tools, creator economies, Web3, gaming, brokers, streaming and stablecoin rails. Eight verticals. One QR.
Creddy speaks every major local top-up rail in our launch markets — and the universal ones too. No new app to download, no new behaviour to learn, no new password to forget.
At checkout, show your Creddy QR — or tap "Pay with Creddy" in the merchant's flow. We deduct from your local-currency top-up balance and settle the merchant in their currency. No FX surprises, no double-conversion, no "international" surcharge.
A coming-soon FAQ. We'll be back with the long version at launch.
We're piloting in Brazil, India and the Philippines in Q2 2026. Other markets roll in waves through Q3. Waitlist members get the first invites.
None of those. Creddy is a universal QR payment method. No bank account to open. No wallet balance to babysit. No card to lose. Top up with whatever you already use, then pay or send with a single QR that's recognised by every major QR system in the world.
At launch: UPI (India), Pix (Brazil), QRIS (Indonesia), QRPH (Philippines), VietQR (Vietnam), DuitNow (Malaysia), PromptPay (Thailand), Alipay (China), Bharat QR, and SGQR. Show your Creddy QR at any of these checkouts — or scan any of these QRs with the Creddy app to pay.
Yes — that's the point. Send to any phone number, UPI ID, Pix key, GCash account, or IBAN. The recipient gets local currency in their existing app, usually in under 60 seconds, at mid-market FX. No SWIFT wire, no 3–5 business days, no $40 fee.
Top-ups on local instant rails are free. Payments and sends are at mid-market FX with a flat platform fee — disclosed before every transaction. No "international surcharge" surprise.
A phone number and one local top-up rail. No bank, no wallet, no card.
Add your email and we'll send you an invite the moment Creddy is live in your country. No newsletter. No spam. Just the invite.