Global payments move over $200T annually, yet trillions remain idle because settlement is slow while liquidity is needed instantly.

This isn’t a payments problem.
It’s a credit problem.

PayFi needs credit backed by payment settlement receivables.
TradFi needs credit against commercial transaction receivables.
DeFi already has liquidity.

But today:

DeFi liquidity is trapped in crypto-native loops

Payments and commerce lock up capital while waiting for settlement

What’s missing is short-term, self-liquidating credit secured by real receivables.

That’s where Kred comes in.

Kred introduces the Internet of Credit:

Receivable → Collateral → Credit → Settlement → Repayment

DeFi stablecoins fund real payment flows upfront.
Borrowers repay when settlement completes.
Liquidity is recycled, and yield is generated from real economic activity.

This model bridges DeFi liquidity with real-world payments and commerce — under predictable rules, with repayment embedded at the core.