Travel companies spend $2-5M a year on $100M in cross-border supplier payments. Card program costs, FX markups, trapped working capital, unrecovered commissions. CredaFi makes all of it visible — then cuts it.
The problem
Six pain points between booking and bank. Each one costs you money or time. Most cost both.
This is CredaFi
The settlement object tracks every payment between you and your suppliers — in both directions. Bookings, commissions, rebates, credits. One canonical record. Both parties see the same data.
How it works
CSV, PDF, Excel — whatever your treasury team already produces. Our AI maps every column. No integration project. No booking system changes.
Cost per corridor, per supplier, per payment method. FX spreads, card fees, unrecovered commissions — all visible in one view.
The routing engine picks the cheapest path per payment. Your suppliers receive fiat in their bank account. Settlement in hours, not days.
Forward payments and reverse commissions on the same object. ERP-ready output. Month-end in minutes, not days.
How payment operations become net-positive
| Today | With CredaFi | |
|---|---|---|
| Card program costs + supplier acquirer fees | $1,250,000 | $0 |
| Wire fees + FX markup (1-1.5%) | $150,000 | $0 |
| Stablecoin settlement (0.75%) | — | $375,000 |
| Reconciliation (15 hrs/wk → 3 hrs/wk) | $46,800 | $9,360 |
| Working capital cost (3-5 day float) | $48,000 | $8,000 |
| Unrecovered commissions (estimated) | $500,000 | $50,000 |
| Commission recovery revenue | — | +$450,000 |
| Net annual cost | $1,994,800 | -$7,640 |
Based on $50M annual cross-border supplier payments. Card costs include program overhead and supplier acquirer fees (varies by merchant-of-record structure). Stablecoin costs use current off-ramp rates. Commission estimates modeled on industry data (Onyx CenterSource). Actual recovery depends on supplier data availability and commission terms. All figures are estimates.
That's $2M in savings. Your supplier payments go from your biggest cost center to a net revenue generator.
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Why CredaFi?
Both sides save
Your suppliers save 1.5-2.5% in acquirer fees. You simplify from card program management to direct settlement — cleaner FX, fewer dependencies. Both get paid faster.
From $2M cost center to net revenue
Commission recovery alone can exceed the cost of settlement. Payment operations become revenue-positive.
15 hours a week, recovered
One platform, one data format, one reconciliation process. Your treasury team gets 12 hours back per week.
Visible by default
Real-time cost per corridor, per supplier, per payment method. No more month-end surprises.
Hours, not days
Settlement in 1-4 hours vs 48-72 hours. Working capital freed the same day.
Settle supplier payments anywhere with confidence. CredaFi gives you access to stablecoin-powered settlement across 40+ markets with five layers of compliance on every transaction.
40+ Markets
Do I need to understand stablecoins?
CredaFi uses stablecoin infrastructure behind the scenes, but your experience is just like any finance tool — upload a file, see your savings, settle faster. No wallets, no tokens, no complexity.
How does it work technically?
Your treasury team uploads settlement files or connects via API. CredaFi converts fiat to stablecoin, settles on-chain in minutes, then off-ramps to the supplier's local currency via partners covering 40+ countries. The supplier receives local fiat in their bank account. Total time: 1-4 hours. Your cost: 0.75% all-in.
Tell us about your business. We'll show you the number.