“Can a blockchain-native private credit marketplace become the dominant B2B trade credit (BNPL) infrastructure for Brazil's digitizing SMB market?”
Credix launched as a blockchain-native private credit marketplace on Solana, connecting institutional investors with emerging-market fintech lenders via USDC. The original product targeted institutional and accredited investors seeking higher-yield private credit in Latin America. By 2024, the company pivoted its core product toward Brazil's $500B B2B payments market, launching CrediPay — a B2B BNPL and trade credit solution for sellers and buyers — shifting from being a capital marketplace to an embedded B2B credit infrastructure provider. The blockchain/USDC rails remain part of the settlement and risk architecture, but the consumer-facing product is now CrediPay, a seller-integrated credit checkout.