2026-01-10 18:25:57

The global payment circulation volume approaches 200 trillion USD annually.

But trillions of dollars are locked up. Why? Because settlements take time, but funds are urgently needed.

On the surface, it's a payment issue. In reality, it's a credit issue.

PayFi requires short-term credit to bridge the gap in payment settlements. Traditional finance needs accounts receivable as collateral. DeFi has liquidity, so what's the problem—

The current situation is like this: DeFi's stablecoins are stuck in a small circle within the crypto ecosystem, unable to move out; payment and trading companies are forced to freeze capital during settlement periods.

What is missing? It's that kind of short-term, self-liquidating, truly receivables-backed credit product.

Kred aims to fill this gap.

Kred's logic is straightforward: Accounts receivable → Collateral → Credit limit → Settlement completed → Loan repayment.

DeFi stablecoins provide upfront funding to payees, who repay after customer settlement. Liquidity circulates, and returns are generated from actual repayment activities.

The key is that this model connects two worlds: DeFi liquidity pools and real payment and trading scenarios. The rules are transparent and controllable, with repayment paths embedded within.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

16 Likes

Reward
16
7
Repost
Share

Comment

0/400

SerumSqueezer

· 14h ago

Oops, finally someone has revealed this pain point clearly. 200 trillion frozen, with trillions locked up? Isn't this just the old problem of traditional finance? DeFi stepping in to handle settlement gaps sounds pretty promising. --- I like the idea of Kred. Accounts receivable directly transformed into collateral, fewer steps, and efficiency can really improve. --- Basically, stablecoins need to break out of the crypto circle. Real trading scenarios are the true goldmine. --- Wait, can this self-liquidation logic truly prevent bad debts? Or is it just another seemingly good theory. --- Connecting DeFi liquidity pools with real-world payments—this has huge potential, but who bears the risk of implementation? --- The figure of tens of trillions being locked up—I need to verify the data. It feels exaggerated. --- The core issue is still credit. If PayFi can really pull this off, it’s way more interesting than just trading coins.

View OriginalReply0

BearWhisperGod

· 19h ago

Finally, someone wants to fill this gap. DeFi liquidity being trapped within circles is indeed a huge waste.

View OriginalReply0

PerennialLeek

· 01-13 05:40

Wow, this is the real demand... DeFi liquidity finally has an outlet.

View OriginalReply0

ChainChef

· 01-10 18:56

honestly kinda sounds like someone finally figured out the right recipe... been watching stablecoins simmer in their own bubble for way too long

Reply0

Rugman_Walking

· 01-10 18:55

Another project aiming to bridge DeFi and reality, sounds good, but I want to know how Kred ensures that those accounts receivable won't be pledged multiple times.

View OriginalReply0

OldLeekMaster