The asset class
the networks never let you build.
You have always known your members better than the card networks. CredX finally puts your capital at the point of sale — merchant-linked, closed-loop, and diversified by design.
Merchant-linked credit,
underwritten at the point of sale.
Every plan is approved in ~20 seconds against live transaction data from a merchant you can name. Select a segment to see the illustrative shape of the book.
High frequency, small ticket, strong repeat behaviour — the anchor segment of the network.
- Real-time POS underwriting on live data
- Repayment aligned to actual spending cadence
- Merchant-linked recovery and dunning
- Segment and merchant diversification caps
Illustrative portfolio figures for demonstration. Actual economics are set per partnership.
Three steps from
capital to yield.
Connect your fund
We align on capital framework, compliance posture, and the segments you want on your book — then your fund becomes a lender of record on the CredX rail.
Fund merchant-linked credit
Your capital funds pay-over-time plans approved in ~20 seconds at the checkout of named merchants. Each plan is underwritten against live transaction data.
Earn where spending happens
Repayment flows from the customer's own spending cadence. A diversified, closed-loop book — not unsecured cards chasing strangers.
Before your credit committee asks.
Your fund is the lender of record. CredX operates the rail — underwriting signals, checkout, servicing, and recovery — but the credit sits on your book, under your framework.
Plans are underwritten in ~20 seconds against live merchant transaction data, repayments align to the customer's real spending cadence, and recovery is merchant-linked. Segment caps keep the book diversified.
Card networks capture the transaction and leave you the risk. Here you see the merchant, the ticket, and the cadence behind every plan — a closed loop, not an anonymous pool.
Book a meeting as a Lender. We walk through your capital framework and the network's pipeline, then scope a first segment together.