Kredete

Kredete is a financial technology platform founded in 2022 and headquartered in New York, NY. Built by immigrants for immigrants, Kredete operates a unified payments and credit-building infrastructure serving consumers, enterprises, banks, and fintechs across 50+ countries. The company has raised $22M in Series A funding and processes over $5.7B annually, serving 3M+ users and 4,000+ enterprises.

Core Products/Services

Kredete operates across three distinct product layers:

• Kredete Consumer App – A mobile application enabling diaspora immigrants to send money to 50+ countries, build credit with every transfer, access USD and EUR accounts, spend with virtual and physical cards, save, and borrow against their financial history.
• Gravv (B2B Payments API Platform) – A developer-facing payments infrastructure API (gravv.xyz) offering multi-currency accounts, global payment rails (ACH, SWIFT, SEPA, RTP/FedNow), card issuance, treasury accounts, collections, and stablecoin/fiat orchestration. Designed for fintechs, neobanks, embedded finance products, PSPs, and remittance platforms.
• Hinstantt (Global Payment Infrastructure) – A wholesale payments infrastructure layer (hinstantt.com) offering FX APIs, real-time settlement rails across 100+ markets, multi-currency bank account issuance, corporate cards, and deep liquidity for banks, financial institutions, mobile network operators, and payment service providers.

Key Strengths

Kredete's core differentiator is its stablecoin-powered infrastructure, which underpins global money movement for African and diaspora markets. The platform features built-in AML, sanctions screening, and travel rule compliance, and holds regulatory licenses across 40+ jurisdictions. Its infrastructure supports virtual IBANs, embedded wallets (both custodial and non-custodial), fiat-to-stablecoin orchestration, and local collection across markets. The company is SOC 2 Type II certified and ISO 27001 compliant.

Notable Clients/Projects

Kredete serves 4,000+ enterprises and 3M+ users globally. Investors include AfricInvest Group (via Cathay AfricInvest Innovation Fund and FIVE), Partech, and Polymorphic Capital. The platform has achieved $2B+ in annual processed volume through the Gravv API layer.

Why Choose Kredete

Kredete provides a single integration point for businesses needing to launch multi-currency accounts, issue cards, and access global payment rails across 100+ countries. Its stablecoin rails specifically address the underserved African corridor market, enabling regulated, instant cross-border payments at low cost. Businesses avoid stitching together dozens of providers by leveraging Kredete's unified infrastructure.