Kred’s Christmas gifts 🎄

Markets slow. Offices close.
Payments don’t.

This Christmas, Kred unwraps the real problems global payments carry all year. 🧵

🎁 Pre-funding

Problem: Capital must be locked before money moves. Around ~$9–11T sits trapped in pre-funded accounts globally, parked “just in case,” earning nothing and staying idle by default.

Kred: Replaces pre-funding with just-in-time settlement credit—drawn only when needed and repaid as payments clear.

🎁 Settlement delays

Problem: Payments run 24/7, but settlement doesn’t. Holidays, FX cutoffs, and time zones stretch settlement by hours or days, even as volume keeps flowing, leaving funding gaps behind.

Kred: Fronts short-term liquidity so payments don’t wait for banks to reopen.

🎁 Frozen capital

Problem: Buffers, reserves, and pending payouts lock capital in place. Millions sit idle per PSP, held for reconciliation instead of growth, with opportunity cost compounding daily.

Kred: Turns idle stablecoins into continuously recycled settlement liquidity.

🎁 FX risk

Problem: Treasury teams over-buffer to manage FX timing risk. Intraday exposure, unpredictable conversion windows, and uncertainty push excess capital to sit unused.

Kred: Predictable on-chain credit reduces uncertainty and oversized buffers.

🎁 Year-end crunch

Problem: Volumes spike from bonuses, payouts, and closing balances just as banking hours shorten and holidays stack up, widening settlement gaps when timing matters most.

Kred: Provides liquidity so payments clear on time—even during holidays.

Takeaway 🎄

While markets freeze, Kred delivers.
While offices close, liquidity flows.

🎅 Fun fact: the biggest payment spikes happen during holidays.
PayFi doesn’t take time off.