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Private credit for payment flows

Working capital for fintechs. Backed by real receivables.

Credle connects verified emerging-market payment providers with short-duration credit—funding payouts against receivables and repaying lenders automatically from collections.

Talk to Credle See how it works
Credle workspace
Illustrative preview
Facility CF-0412USD → KES payout corridor
Active
Limit$5,000,000
Drawn$3,120,000
Available$1,880,000
Utilization62.4%

Upcoming sweeps

Due Receivable Status Amount
Nov 12 RCV-88213 Scheduled $420,690
Nov 13 RCV-88227 Scheduled $310,512
Nov 11 RCV-88190 ✓ Swept $250,411
Short-duration facilitiesCredit designed around payment settlement cycles.
Receivables as collateralEach advance is tied to a verified settlement.
Automated repaymentCollections flow through a defined payment waterfall.

Trusted by pioneering fintech teams

  • Tembo
  • Choice Microfinance Bank
  • Zamupay
  • Senjaro Pay
  • OnLink
  • Sunwheel Capital
One network, two sides

Capital that moves with payments.

Credle brings borrowers and lenders together around verified cash flows and clear repayment terms.

Stop parking cash in prefunded nostro accounts.

Draw against settlements you’re already owed, fund payouts in the destination market, and let collections repay the facility automatically.

  • Draw in days, not monthsUnderwriting runs on your settlement data.
  • Repayment handles itselfThe sweep runs when collections land. Nothing to schedule.
  • Grow corridors, not floatAdd volume without adding idle balances abroad.
Explore Credle for borrowers
Capital tied up per $10M monthly volumeIllustrative example
Prefunded$1.0M
Credle$0

Assumes three days of payout volume held in a destination account. With Credle, payouts are funded per cycle from the facility.

The facility model

Every facility runs on four building blocks.

From verified receivables to on-ledger records. Product figures below are illustrative examples.

Tokenized receivables

Settlement history and volumes determine credit access. Capital is advanced on the XRP Ledger against verified settlement activity.

TokenRCV-88213
StatusVerified
Face value$420,690.00
SettlesNov 12, 2026

Automatic sweep

A fixed waterfall applies as soon as collections settle.

Lender principal900,000
Lender yield1,479
Protocol fee450
To borrower98,071

Days, not quarters

Short tenors keep exposure turning over.

On-ledger record

Advances, sweeps and releases are written to the XRP Ledger, so lenders can verify activity independently.

Sweep8F3A2C…91E0C21 · CF-0412$250,411
AdvanceD41B07…3AA6F58 · CF-0419$310,000
Release77C9E1…0B42D19 · CF-0398$18,120

Sample transaction references and amounts.

How it works

From verified flow to repaid credit.

Capital moves through a vetted payment facility, while collections return principal and yield to lenders.

Lenders

Provide RLUSD capital through Credle facilities.

Credle

Verifies, underwrites and structures facilities against tokenized receivables.

Vetted borrowers

Verified fintechs use working capital to fund payouts in destination markets.

Repayment & yield

Collections trigger repayment, returning principal and yield to lenders.

Recorded on the XRP Ledger

Facility activity is recorded on-ledger, supporting transparent review and programmable repayment.

FAQ

Questions, answered.

A quick introduction to Credle’s borrowers, lenders and repayment model.

What is Credle?

Credle is a private credit protocol on the XRP Ledger. It connects verified emerging-market fintechs with eligible lenders through facilities backed by tokenized receivables.

Who can borrow?

Credle is starting with licensed payment service providers and money transfer operators that need working capital to fund payouts.

Who can lend?

Eligible institutional and professional investors may participate, subject to onboarding, due diligence and applicable law.

What backs a facility?

Each advance is made against a verified receivable, such as a settlement owed to the borrower by a partner, recorded as a token on the XRP Ledger.

How does repayment work?

Collections for a financed receivable settle into a controlled account. The agreed waterfall then pays lender principal, lender yield and protocol fees before releasing the remainder to the borrower.

Are returns guaranteed?

No. Any target yield is illustrative and is not a promise or guarantee. Private credit carries risk, including the risk of partial or total loss of capital.

Start a conversation

Talk to the Credle team.

Tell us which side of the link you’re on and we’ll follow up with the right next step.

LendersReceive our facility brief and risk framework.
BorrowersGet an eligibility review based on corridor volume and settlement history.